vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
I am submitting this complaint due to Select Portfolio Servicings failure to acknowledge, investigate, or properly respond to a documented casualty loss and material impairment of mortgage collateral, despite being placed on actual notice. 

Background and Loss Event On XX/XX/XXXX, the mortgaged property sustained a fire loss. As a direct result of this casualty, independent environmental consulting firms conducted testing and laboratory analysis confirming : Dioxins and furans ( toxic persistent organic pollutants ) Asbestos-containing materials These hazardous substances render the property uninhabitable and unsafe under environmental and health standards. The structure can not be occupied, repaired, or restored without extensive regulated remediation and/or demolition. 

XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX has been formally notified of the hazardous and unlivable condition of the property and provided with environmental test analyses. 

As a direct result : The Homestead Exemption has been removed, reflecting that the property is no longer habitable nor eligible as a primary residence XXXX XXXX XXXX XXXX has scheduled an on-site reassessment to determine the impaired value of the property This governmental action constitutes independent confirmation that the collateral no longer meets standards for residential occupancy or valuation. 

Impairment of Collateral and Lender Risk Due to : Fire damage, Confirmed toxic contamination ( dioxins, furans ), Confirmed asbestos, Regulatory remediation requirements, Insurance carrier refusal to fund restoration, and Tax authority recognition of uninhabitability, The property is now classified as environmentally impaired real estate. The cost of remediation and/or demolition is expected to meet or exceed the pre-loss value, substantially impairing the lenders security interest. 

This condition constitutes : Loss of collateral value Impaired security Casualty loss impacting lien protection

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have multiple old and inaccurate accounts on my credit report. That's keeping me from movina forward from obtaining credit. I have disputed an asked for writing verification and have not received it on none of the inaccurate accounts and all accounts and bad standings i am demanding for these counts to 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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> I called to pay the amount that was mailed to me so that I can be done with this. It took me more than XXXX  months to save the {$3000.00} that the XXXX said I needed to pay. When I called they XXXX XXXX XXXX debt collector employees said that I needed to pay {$4400.00}. This has gone on for way too long and they keep doing this. I have called to try and pay multiple times and they always say something different. 

The lady I spoke to threatened me with wage garnishments. I got really upset because I called to pay not to be threatened. That it when the supervisor got on the phone. He did not mention the wage garnishment. 

I always feel like they want to keep me in this abusive loop. This needs to stop. I am going to start looking for legal counsel to sue for financial abuse and emotional distress. This is still going after XXXX years.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX, my Citi credit card ( old lastXXXX XXXX ) had an unauthorized charge from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shown online ) for {$490.00} ( I have never bought anything from this merchant ). I reported the fraud immediately, and Citi issued a replacement card on XX/XX/XXXX ( new XXXX XXXX ). 

Citi initially posted a credit on XX/XX/XXXX labeled XXXX XXXX ITEM UNDER INVESTIGATION for - {$490.00}, and then the merchant posted a second credit on XX/XX/XXXX for - {$490.00}. In early XX/XX/XXXX, both credits were reversed/removed, and the account again shows I owe approximately the original unauthorized amount ( ~ {$490.00} ). Citis customer-facing online system only partially reflects what occurred, but the key fact is that the net balance remains owed for the fraudulent charge. 

I have made repeated attempts to resolve this by phone, spending multiple hours and being transferred among Customer Service, Fraud, and Account Specialists : XX/XX/XXXX : XXXX hour, transferred across 3 departments. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, transferred across XXXX departments. I was explicitly told the balance would be corrected to {$0.00} by XX/XX/XXXX at the latest. 

XX/XX/XXXX : another call with multiple transfers ; I was told there is no timeframe for the account to be corrected. 

Citi representatives repeatedly state I was already refunded, but those credits were later removed, and my balance still reflects the original unauthorized amount, meaning I have not actually been made whole.

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 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
The late payment information is incorrect. does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OK

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified collection accounts being reported on my credit report. 

I have disputed these accounts and requested validation, yet the information continues to be reported without proper verification. This is causing ongoing harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting and proper investigation of disputed information. The collection agency has failed to provide sufficient proof that this debt is valid, belongs to me, or is being reported correctly. 

I am requesting that these inaccurate collection accounts be investigated and removed from my credit report if they can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
To Whom It May Concern, This communication constitutes a formal dispute of the above-referenced account and a demand for full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge any obligation for this alleged debt.

You reference Account Number XXXX and claim an alleged balance of {$140.00}. You are hereby required to provide competent and complete evidence that I am legally obligated to pay this amount, including but not limited to the following : The exact amount of the alleged debt, including a complete itemization of principal, interest, fees, and any additional charges. 

The name and address of the original creditor and documentation establishing the chain of assignment, ownership, or authority, including any agreements authorizing TrueAccord Corp to collect on this account.

Copies of any signed agreements, contracts, or other documents bearing my signature that create a legal obligation to pay this debt.

Proof that TrueAccord Corp is properly licensed and authorized to collect debts in my state.

Proof that the alleged debt is within the applicable statute of limitations.

A copy of any judgment you claim exists, if applicable.

Until proper validation is provided, you are legally required to cease all collection activity, including but not limited to phone calls, written communications, and credit reporting.

If you are unable or unwilling to provide proper validation, you are required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to delete this account from any and all consumer credit reporting agencies to which you have furnished information, as the debt can not be verified as accurate.

This notice is not a refusal to pay. It is a lawful demand for verification of your claim. Provide all requested documentation electronically.

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the permanent deactivation of my Cash App account by Cash App XXXX Block , Inc . 

I have been a long-standing Cash App customer for many years and have consistently used the platform for lawful, personal transactions. I have never knowingly violated Cash Apps Terms of Service, nor have I intentionally engaged in any activity involving the provision of financial services or other prohibited conduct.

Cash App informed me that my account was deactivated due to payment activity related to providing financial services. This explanation was vague and conclusory. No specific transactions, dates, or behaviors were identified, and I was not provided an opportunity to clarify or correct any alleged issue prior to permanent closure.

Any payments I sent or received were conducted in good faith for personal purposes. If automated monitoring was triggered by the actions, requests, or descriptions of another user, I was unaware of any wrongdoing and did not knowingly participate in prohibited activity. I dispute that my account activity reflects intent, knowledge, or a pattern of misuse that would justify permanent deactivation. 

I requested reconsideration and additional explanation from Cash App, but the response did not provide meaningful detail or evidence supporting the decision. Given my long history of compliant use and the absence of prior warnings or restrictions, I believe the decision warrants secondary review. 

I am seeking : A fair and thorough secondary review of my account A clear and specific explanation of the alleged violation Reinstatement of my account if no intentional or repeated misconduct is found I am willing to cooperate with any verification or documentation requests necessary to resolve this matter. 

Thank you for your review and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding this unverified account appearing on my credit report.

Violation : This agency ( Credit Control , LLC ) is reporting a collection account without my permission. I never received the required " Initial Notice
'' ( 1692g letter ) informing me of my right to dispute this debt within 30 days. By failing to send this initial legal notice, they have violated the FDCPA ( 15 U.S.C. 1692g ).

Requirement : Since I was denied my initial right to dispute, I demand that this agency provide the Original Contract with my signature and the Chain of Title showing they legally own this account. A simple bill printout is NOT validation.

Resolution : If they can not provide the original contract and proof they mailed the 1692g notice, I demand immediate deletion of this account from all credit bureaus.

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 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellsfargo not handling filed claims appropriately and doesnt want to assist consumer recover funds when proper documentation is provided

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I have reached out about not opening the account but. I was completely ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I am disputing the collection account reported on my XXXX  credit report as CON COL MGMN ( Original Creditor : XXXXXXXX XXXX XXXX  ), Account XXXX XXXX balance {$4800.00}. I had no knowledge of this alleged debt, never received any written notice, dunning letter, notice of assignment, or disclosure of my right to dispute before it was reported. I was forced to research multiple times just to determine who this company even was because the abbreviated name CON COL MGMN is unclear and misleading. I still have no understanding of what this debt is for, how the balance was calculated, or what agreement it is based on. Reporting an unidentified, unsupported apartment collection without prior notice violates FDCPA 1692g ( a ), FCRA 1681e ( b ), FCRA 1681i ( a ), FCRA 1681s-2 ( b ), and Metro-2 accuracy standards. Each failure to provide notice and each instance of false reporting constitutes a separate statutory violation. 
I requested full lawful validation of this alleged debt, including the original signed lease, move-in and move-out documentation, itemized rent and fee ledger, proof of damages, payment history, date of first delinquency, balance calculations, and documented chain of assignment proving legal authority to collect.

Pursuant to FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), FDCPA 1692e, 1692f, 1692g, and Metro-2 reporting standards, I demand immediate and permanent deletion of this tradeline from XXXX  and all consumer reporting agencies, along with written confirmation of deletion. If this account can not be fully substantiated with documentary proof, it is legally unverifiable and must be removed without delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
On or around XX/XX/XXXX, I took out an installment loan from One Main Financial, which required I use my car as collateral. However, during the process, One Main Financial deceptively told me that I had to purchase a Single Credit Life Policy to secure the loan. 

This is not only wholly untrue, but also a pattern and practice of repeating the deceptive practices that One Main Financial engaged in when it was prosecuted by the CFPB and ordered to pay restitution and fines for these same deceptive practices in XXXX. 

See : XXXX : XXXX It is my position that, because the contract was entered into using deceptive means, the CFPB should investigate and prosecute, as it did in XXXX, for committing the same illegal acts that violate not only the U.S. Code but also K.S.A. 50-626. While I expect the CFPB to act on the deceptive practices that One Main Financial is engaging in I will handle the statutory violation individually. 

If it makes any difference the loan was not acquired online or by phone I went in person to their office located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX and had the application and contract explained by an experienced loan XXXX so this was no mistake this was a matter of One Main Financial lying to people about products they do not need to secure a subprime loan as well as engaging in illegal activity without any disregard for the consequences to the consumers. 

What is even more troubling is that this is the same thing that One Main Financial was prosecuted for in XXXX and they paid a fine which obviously was either not enough or the punishment was not severe enough because they are repeating the same illegal activity with impunity. 

Since the contract was entered into under false pretenses and the terms and conditions set forth are illegal as a matter of law the contract should be immediately voided, the CFPB should immediately launch an investigation into these allegations of repeated illegal conduct by One Main Financial and they should use the full force of the law to prosecute One Main Financial to stop them from continuing to take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I am disputing inaccurate credit reporting by Consumer Portfolio Services ( CPS ) related to a vehicle loan.

Prior to repossession, the vehicle was involved in a car accident. I opened an insurance claim and delivered the vehicle to a repair facility for assessment. While the insurance claim was pending and the vehicle was in the possession of the repair facility, CPS repossessed the vehicle and later auctioned it.

CPS took possession and disposed of the vehicle before the insurance claim could be resolved or a total loss determination could be completed. Despite this, CPS reported delinquency, charge-off, and a deficiency balance without properly coordinating or applying insurance proceeds.

I disputed this account with a credit bureau. In response, CPS altered multiple reporting fields, including delinquency dates and payment history, rather than addressing the substance of the dispute or providing documentation supporting the accuracy of the reported balance.

Reporting a deficiency balance without resolving insurance proceeds and modifying core reporting data after a dispute results in inaccurate and misleading credit reporting. This conduct violates the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ). 

I am requesting deletion of this tradeline from all consumer reporting agencies and cessation of further reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Date Name XXXX Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I placed an order through XXXX for an artificial XXXX tree. The original item I selected was not available. The XXXX shopper contacted me and advised that a similar replacement item was available at a higher price. 

XXXX then called me directly. During that phone call, I explicitly told the XXXX representative that I could not afford the higher-priced replacement item, which was listed at {$490.00}. The representative assured me that the charge would be adjusted to reflect the price of the available replacement item, approximately {$120.00}, and that I would not be charged {$490.00}. Based on that explicit promise, I agreed to proceed. 

Despite that assurance, XXXX charged my account the {$490.00}, after their charges and fees a total of {$570.00}. I did not authorize a {$490.00} charge. I only authorized a charge of approximately {$120.00} based on Instacarts verbal confirmation that the price would be adjusted. 

I contacted XXXX multiple times to request a correction. I was told I would receive a call back, but no resolution was provided. 

In addition, the merchandise delivered is defective. The artificial XXXX tree is pre-lit, and the lights do not work at all. I contacted XXXX regarding the defective product and was told they would not refund seasonal items and would only offer store credit, which is not an acceptable remedy for an unauthorized and misrepresented transaction. 

This dispute involves merchant misrepresentation, an unauthorized charge amount, delivery of defective merchandise, and failure to refund. I have requested a full reversal of the charges. I have proof I spoke with XXXX during the transaction and proof of the price listed on the item, please see attached.

Company response to consumer: Closed with explanation