vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 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: KS

Complaint narrative:
I am filing a complaint regarding Citibanks mishandling and wrongful closure of a credit card dispute involving merchant fraud by XXXX. 

In late XX/XX/XXXX, I received the wrong item from the merchant XXXX. Between XXXX XXXX XXXX, XXXX confirmed in writing that they sent the wrong item, approved a full refund, and instructed me that I could keep the product. Despite this written confirmation, no refund was ever issued. 

XXXX later claimed the refund could take XXXX business days. I contacted Citi and, per Citis explicit instructions, I waited the full 53 business days before taking further action. No refund was posted. 

On XX/XX/XXXX, after the waiting period ended with no refund, I contacted Citi. I was instructed to email documentation and was told the dispute would be resolved. 

From XX/XX/XXXX through XX/XX/XXXX, I contacted Citi repeatedly. Multiple times I was told my dispute had not been reopened, then reopened again, and I was instructed to re-send the same documentation. On XX/XX/XXXX, I was told there was no record of the dispute and chat support could not assist me. 

On XX/XX/XXXX, I again explained the full history and was told my documentation had been received and that I needed to wait an additional 3090 days for review. 

On XX/XX/XXXX, Citibank informed me that my dispute had been closed and denied because too much time had passed since opening. The passage of time was caused entirely by Citibanks own instructions, delays, and administrative failures, not by any inaction on my part. 

I followed Citibanks instructions at every step, relied on their guidance in good faith, and submitted all requested documentation multiple times. Denying my dispute due to elapsed time that Citibank itself caused is unfair and improper. 

This transaction qualifies as merchant fraud : the wrong item was delivered, the merchant admitted fault in writing, and no refund was ever issued.

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 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Account Opened : Early XX/XX/year> Original Balance : {$14.00} ( card used only on the day it was opened ) Payment Due Date : XX/XX/year> Payment Made : XX/XX/year> Paid full balance of {$14.00}, one day late Attempted Online Registration : XX/XX/year> Tried to register the card online to manage the account, but the website was difficult to navigate, and I was unsuccessful Phone Call & Account Closure : XX/XX/year> Called Comenity Capital Bank to pay the balance over the phone and requested that the account be closed since I was not using the card and was having difficulty with their website Late Fee / Interest Assessment : After account closure, Comenity assessed a late fee and began charging interest on that fee, resulting in a balance of approximately {$150.00} Contact with Customer Service : During the phone call, I was informed that the late fee could not be waived because the account was closed, and documentation of the lack of a grace period was included in the statements. I was never formally informed at the time of account closure that I would remain responsible for late fees or interest. 

Action Taken by Me : Paid the full balance under protest to prevent damage to my credit report Attempted to register and manage the account online Contacted Comenity by phone to request reversal of charges and account closure Action Taken by Company : Assessed a late fee and interest on a closed account, resulting in disproportionate charges Denied waiver of fees, citing account closure and statement language Provided no written or email confirmation of the payment. Only gave me a refernce number of the call # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/year> I called XXXX XXXX  to confirm my automatic deposit. I confirmed all security questions and transaction amounts up to date. Since the first day I tried accessing my account online through the app, I have not been able to see or keep transactions of my own purchases. Ive mentally kept notes of where I used it I never expected I would have to right down all my own transactions with the exact time date and amount when thats what the app is for? 

This is a breach of contract Unfair and Deceptive act /practice Wrongful restriction to account XXXX I spoke to a customer representative my the name of XXXX XXXX XXXX XXXX  blocked my card and restricted access to my funds without meaningful notice or explanation. I am unable to reach customer service, leaving me without access to my own money. This appears to be a wrongful restriction of account access and withholding of funds. I am requesting immediate release of funds or a written explanation with a timeline for resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: IN

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 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Benuck & Rainey, Inc.
State: MA

Complaint narrative:
The debt collection agency Benuck & Rainey is attempting to collect an alleged debt for an insurance policy I have been paying monthly with XXXX. On XX/XX/year>, they sent a PDF claiming a remaining balance, which does not match my payment records. 

I requested proper verification of the debt under the FDCPA, but they refused, stating they would not respond further and marked my account as a refusal to pay. Their communications have been threatening, misleading, and unprofessional, creating harassment and potential credit reporting violations. 

I am requesting that the CFPB investigate this agency for failure to verify the debt, harassing conduct, and inaccurate reporting to credit bureaus. 

FYI - They even tried to take away {$600.00} away from me and threaten me and it was an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I had {$19000.00} withdrawn from my cash app. Withdrawn by the XXXXXXXX XXXX whom Im not affiliated with. I spoke with cash app reps on a few different occasions and was told Id receive my reimbursement after an investigation but havent even received one email to tell me whats going on. I did not authorize any withdrawal and desperately need it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
My car was paid off on XX/XX/year> through a refiance with another company. At that time, my XXXX insurance policy was cancelled by Wells Fargo. I called into Wells Fargo before knowing that the policy was cancelled asking about the refund and when I should be receiving it. I was informed by their representative that I would need to contact the dealership. The dealership in return sent me back to Wells Fargo and I was then told that I would have to wait XXXX  days from the day of Payoff to receive my check. I asked was this apart of the agreement that I signed and was told that it is not written but it is a part of their policy. I am now at day XXXX and I have received nothing from Wells Fargo. I called XXXX times today to be directed to lines that no one will answer or stood on hold for XXXX mins to only get the line disconnected. When I called XXXX rep told me that my check had been mailed on XX/XX/XXXX but the call was disconnected and when I called back the other rep told me it had not been mailed at all. I need resolution on this issue ASAP as my request to speak to a XXXX has been denied.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I called to verify last payment received of the alleged debt and they wouldn't provide any information to me. They are re aging the debt and should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Dear, CFPB, IC SYSTEM INC Acct # XXXX XXXX XXXX XXXX  {$210.00}? I am filling a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k. Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

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 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
15usc 1691c 2 15 usc 1611 12cfr1002 States in a consumer financial transaction you can not use credit score history or income adverse actions are illegal and they used them i need to be compensated XXXX for discrimination and stopping my manifestation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION
State: MO

Complaint narrative:
On XX/XX/year>, Sallie Mae received my written request for review and discharge/relief of a private student loan that I incurred to attend a nonprofit university. The request explained that I enrolled and borrowed based on representations the school made regarding rankings and financial aid practices, and that later public reporting and litigation/settlement activity raised serious concerns about the accuracy of those representations during the time period I attended. I requested Sallie Mae conduct a substantive review of the evidence and consider discharge or other relief. 

Sallie Mae refused the request only on the basis that the school is a nonprofit institution. This response did not address the substance of the documentation I provided and appears to be a blanket denial rather than a meaningful review of the dispute. 

I am requesting CFPB assistance to require Sallie Mae to provide a good-faith review of my dispute and supporting evidence, and to provide a written explanation that addresses the merits of the request rather than relying on the schools nonprofit status as a basis for refusal. I am also requesting that Sallie Mae consider appropriate relief options including discharge, principal reduction, interest reversal, or other remedies and that no negative credit reporting occur for either borrower or cosigner while the dispute is under review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
On nearly every call, when asked why I had fallen behind on payments, I consistently explained that my wife is terminally ill and awaiting a life-saving XXXX and XXXX transplant, and that I serve as her primary caregiver while also managing my own serious medical conditions. I made it clear that I was requesting flexibility and assistance specifically due to these documented XXXX and medical hardships, which I understood to be protected under the Americans with Disabilities Act ( XXXX ) and the Fair Housing Act ( FHA ). While the company did extend general loan modification options, these were not offered in response to, or in recognition of, my disability-related accommodation requests. At no point did the company initiate or engage in a formal accommodation process under the XXXX, and I do not believe their records accurately reflect the repeated disclosures and hardship-based requests I made regarding our familys circumstances.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: U.S. BANCORP
State: NJ

Complaint narrative:
I was charged XXXX  for the same hotel stay in the amount of {$470.00}. 
After noticing the duplicate charge, I contacted U.S. Bank and filed a billing dispute, providing documentation to show that the same transaction was charged XXXX. 

I submitted supporting documents through U.S. Banks online dispute portal and by email. Despite this, U.S. Bank denied the dispute, stating that I did not provide proof that I paid using another payment method, which is not applicable to a double charge dispute. 

During a follow-up call, U.S. Bank requested additional documentation showing that I accepted a later offer from the merchant after a change in management. This request is not relevant, as my dispute concerns a duplicate charge that had already occurred for the same hotel stay. 

I am requesting that the dispute be reopened, that the documentation already submitted be properly reviewed, and that a credit be issued for the duplicate charge.

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 2026-01-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
here 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened account with HSA bank in XX/XX/XXXX. The first payroll contribution was made on XX/XX/XXXX of XXXX dollars they held my money for XXXX  days for no reason and couldnt even give me a reason. Then on XX/XX/XXXX my job which is XXXX XXXX XXXX XXXX contributed XXXX via direct deposit and also I contributed XXXX which comes out of my paycheck every pay period .i have called them XXXX  times and even emailed them asking why my funds are on hold and they couldnt and wouldnt give me a reason for it. This is the XXXX  time this has bank has made me miss XXXX very important doctor appointments because they want to put a hold of funds. They are direct deposits why am I the only XXXX in my company that is waiting for my funds to be available when everyone else here funds are available. I need help and will never deal with this bank again. They hold funds so they can make money off your money that you contribute and then never had an answer as to why they put the money on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: FL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
A student loan account from the U.S. Department of Education has recently appeared on my credit report dated XX/XX/year>. I do not recognize this loan, and when I contacted the servicer, they could not provide basic information about where the loan originated or when it was disbursed. 



Instead, I was told to submit highly sensitive personal documents such as my birth certificate and Social Security information without first receiving any proof that the debt is mine. 



I am disputing this account as potentially fraudulent or inaccurately reported and am requesting : Full documentation of the original loan agreement Disbursement records History of servicing Verification of borrower identity Until this information is provided, this account should not be reported on my credit file. 



This inaccurate reporting is significantly damaging my credit and financial stability.

Company response to consumer: Untimely response