vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I was the victim of an investment fraud scheme that resulted in a wire transfer being sent from my account at XXXX XXXX to a beneficiary account at Fifth Third Bank under the name XXXX XXXX. The transfer was requested through my bank on XX/XX/XXXX and became effective XX/XX/XXXX in the amount of {$12000.00}. The transaction occurred after I was recruited through social media by individuals promoting an online investment platform called XXXX. After a series of escalating payment requests and assurances that a withdrawal of profits would be released once a required fee was paid, I was instructed to send a wire transfer as a 10 % withdrawal release fee. Once the wire was sent, additional undisclosed fees were demanded and the promised withdrawal was never processed. After realizing the situation was fraudulent, I immediately contacted my bank to report the fraud and request assistance. A wire recall request was initiated through XXXX XXXX to the receiving institution, Fifth Third Bank. However, the funds had already been removed from the beneficiary account before the recall could be completed. I also filed complaints with regulatory agencies and requested clarification from Fifth Third Bank regarding the investigation of the receiving account. In response to my complaint, Fifth Third Bank sent a letter stating they were unable to locate a wire transfer dated XX/XX/XXXX. This date does not correspond to the transaction associated with my complaint. The actual wire transfer occurred in XX/XX/XXXX. Because the date referenced in the banks response does not match the actual transaction date, I am concerned that the investigation may have been conducted using incorrect information and that the receiving account activity connected to the XX/XX/XXXX wire transfer may not have been properly reviewed. I have attempted to request clarification from the bank regarding this discrepancy, but I received repeated responses referencing the same incorrect date without addressing the actual transaction details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: DE

Complaint narrative:
I have received yet another threatening text and they have ignored my cease and disest order! They have ignored repeated requests to stop calling writing emailing and texting threatening letters! They keep threatening to sue and the debt was paid over 6 years ago. Any account with XXXX XXXX would be over 6 years old. Yet the company they sold supposed debt to changed dates of the account and what they claim is owed. They harass me for other old accounts from other fully paid off accounts and have been doing it for years and years. They change dates amounts. It's out of control and they are a predatory company. I want all communication to stop. I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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 RECOV ASSOCis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOCis 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 non-monetary relief
Consumer complaint received 2026-03-06 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: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate Collection Reporting Jefferson Capital Systems To Whom It May Concern, I am filing this complaint regarding inaccurate and unverifiable information reported on my credit report by Jefferson Capital Systems. The account listed as Jefferson Capital Systems, original creditor XXXX XXXX, with a balance of {$980.00} is being reported as a collection account on my XXXX credit file. I dispute the accuracy and validity of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), any company furnishing information to a credit bureau must ensure the information is accurate and fully verifiable. Jefferson Capital Systems has not provided documentation proving : a signed agreement with the original creditor proof that this debt was legally assigned or sold to them a complete payment history verification of the balance being reported Under FCRA 611, I am requesting a full investigation into this account. If Jefferson Capital Systems can not provide proper documentation verifying the debt, the account must be permanently deleted from my credit report. I respectfully request that this matter be investigated and corrected immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Problem with customer service — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
This was a tax advance that I received while filling my taxes with world finance and its reporting on my reports as a charged off account This loan was paid off when I received my tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a savings account with Citibank online. I have since stopped using it, and have requested to close my account. Citibank representatives have stated they can not close my account unless I visit a branch in person. Citibank has no branches in my state. It would be a 4+ hour drive to visit a branch. They were fine opening my account online, but refuse to close my account in a similar fashion.

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 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I submitted a written dispute to Equifax regarding inaccurate and incomplete information appearing on my credit report. Equifax responded through the CFPB stating that certain account fields were modified, however the core inaccuracies remain unresolved. Equifax continues to report credit limits of {$0.00} on multiple revolving accounts including XXXX, XXXX XXXX, and XXXX XXXX XXXX, even though the actual credit limits were several thousand dollars and are reported correctly by other consumer reporting agencies. Reporting a credit limit of {$0.00} is materially misleading because it falsely indicates that the account is maxed out and artificially inflates utilization. Additionally, Equifax continues to report isolated late payments while failing to report the full history of on-time payments. Reporting only negative payment information without the complete payment history results in an incomplete and misleading credit report. TXXXX XXXX XXXX XXXXXXXX account also contains contradictory remarks stating both account closed at consumer request and charged off account. I also requested documentation showing how the late payments were verified, including payment due dates and receipt dates, but Equifax has not provided any method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
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 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I had an account with world Finance that was closed inXXXX. The issue I am reporting related to how the account was handled or reported after it was closed. I made payments toward the account but was not able to finish my installment payment because I lost my job. However, after the account was close in XXXX I noticed issues such as incorrect reporting, fees or other problems related to the account Despite the account was close for several years this issue as continued to affect me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
Validation of Debt Request - SECURITY CREDIT SERV - 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 2026-03-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MD

Complaint narrative:
The bank is in violation of Regulation E ( 12 CFR 1005 ) by refusing to initiate a dispute for a non-delivered order. '' " I have attempted to call multiple times and am blocked by automated 'high call volume ' messages that prevent me from speaking to a representative to file this dispute ''. The dispute is about a purchase I made with home depot they refuse to refund my money for merchandise they never delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 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: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
CFPB : Beginning in XXXX XXXX, I engaged in documented, repeated good faith efforts to resolve my mortgage through a deed in lieu of foreclosure. Over nearly two years I made multiple written and verbal contacts with RoundPoint Mortgage Servicing LLC, spoke with numerous representatives, and submitted formal written requests. On XX/XX/XXXX, a RoundPoint representative named XXXX verbally communicated that my deed in lieu application had been approved subject to specific conditions including a cash contribution of {$11000.00}, immediate vacancy, broom sweep condition, and execution of a personal property release. I asked for a detailed breakdown of the {$11000.00} figure and specifically requested a callback before any denial was issued. RoundPoint never called back. The approval was subsequently withdrawn without written notice, without stating any reason, and without providing appeal rights in violation of 12 CFR 1024.41 ( d ). In XX/XX/XXXX I presented RoundPoint with a purchase offer of {$410000.00} on the property, which exceeded the outstanding loan balance. RoundPoint failed to respond substantively. The buyer was lost. RoundPoint 's documented response to multiple formal written requests was to require reapplication rather than evaluate pending requests on their merits. On XX/XX/XXXX, foreclosure was filed against the property. On XX/XX/XXXX while foreclosure was actively pending RoundPoint ordered a XXXX XXXX XXXX property valuation. On XX/XX/XXXX, RoundPoint sent written correspondence confirming that my borrower assistance application was still under active evaluation. This constitutes dual tracking in direct violation of Regulation X, 12 CFR 1024.41, which prohibits a servicer from proceeding with foreclosure while loss mitigation is under active review. I have submitted a RESPA Qualified Written Request to RoundPoint dated XX/XX/XXXX requesting all call recordings, loss mitigation records, internal notes, and communications regarding this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargo accounts that were improperly debited and left in a negative status for an extended period of time, causing severe financial harm. Beginning around XX/XX/XXXX and continuing through XX/XX/XXXX, my Wells Fargo checking account ending in XXXX and an associated savings account were repeatedly placed into a negative balance due to transactions and adjustments that I dispute. I filed a formal claim with Wells Fargo on XX/XX/XXXX. Since XX/XX/XXXX, my accounts have effectively been unusable because of the negative balance created by these disputed transactions. As a result : I have been unable to pay bills normally I have been unable to open another bank account I have been denied short-term credit or loans My financial situation deteriorated to the point that my vehicle was repossessed because I could not access my funds or obtain temporary financing I have been forced to operate day-to-day using prepaid cards and cash cards simply to receive income and pay for necessities. I have also had to rely on public transportation because I can not resolve the financial damage created by the account status. A Wells Fargo escalation representative acknowledged my complaint and indicated the matter would be reviewed, but on XX/XX/XXXX I received notice that Wells Fargo intends to delay the investigation until XX/XX/XXXX. This issue has already been ongoing for months and has caused significant financial hardship. I am requesting the following : 1. Immediate correction of the account balances related to the disputed transactions 2. Reversal of any fees associated with these issues 3. Restoration of my banking status so I may use my accounts normally 4. Written documentation of the investigation results 5. Consideration of compensation for the financial damage caused by the prolonged inability to access normal banking services I respectfully request regulatory review of Wells Fargos handling of this matter and assistance in resolving this issue as soon as possible.

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 2026-03-06 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: FL

Complaint narrative:
On or around XXXX I attempted to access money sent to me from my cash ap account. I was denied because my passwords to all my accounts were on my phone which was destroyed and my wallet was stolen. They have tried a 1 time balance transfer to my new cash ap account from the old approximate 23 times even though both accounts are connected to the same bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
On XXXX XXXX, I initiated an online application to open an account with Axos Bank. As part of the identityverification process, I submitted all requested documentation, including biometric data and sensitive personally identifiable information ( PII ). On XXXX XXXX, I provided the additional documents Axos requested for vetting. On XXXX XXXX, I received an email from Axos stating that I could not be vetted, but the message did not include any explanation, reason code, or next steps. When I contacted Axos customer service line for clarification, the representatives were unable to provide any information regarding why the vetting failed or what specific issue prevented the account from being opened. During that call, I explained that Axos intake system had successfully captured and processed my documentation, including biometric identifiers and sensitive PII, without any indication of an error. Because Axos determined it would not proceed with opening my account, I asked how my personal informationincluding the biometric datawould be handled, retained, or securely destroyed, given that there is no longer any business purpose for Axos to keep it. Despite raising this question directly, I have not received any response or assurance regarding Axos dataretention practices, deletion procedures, or secure disposal of my information. This lack of transparency is particularly concerning given the sensitivity of the data I provided and the legal requirements governing the retention and destruction of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I just received an email from Edfinancial Services on XX/XX/XXXX informing me that I received inaccurate information regarding my student loan interest paid total for the XXXX tax year in a previous email titled " XXXX Tax Information is Available. '' I have already filed my taxes as of last month on XX/XX/XXXX. This has never happened before and I'm unsure what to do. I have emailed Edfinancial Services about the matter and awaiting next steps. I end up XXXX what to do in cases like this, and was suggested to file a complaint with CFPB. Hence, what I am doing now to resolve this issue. I'm now worried about how this will affect my taxes for filing incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This letter serves as a formal request for validation of the alleged debts referenced below pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute the validity of the following accounts and request full validation of the alleged debts : Account Information Being Disputed Portfolio Recovery Associates Account Number : XXXX Original Creditor : XXXX XXXXXXXX Reported Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Reported Balance : {$5100.00} Because these debts are disputed, you are required under federal law to provide proper validation before continuing any collection activity or reporting the account to credit bureaus. Please provide the following documentation : A copy of the original signed contract or agreement with the original creditor. Complete payment history including the date of first delinquency. Documentation proving your company has legal authorization or assignment to collect this debt. The name and address of the original creditor. A breakdown of the total amount claimed including fees, interest, and charges. Proof that your company is licensed to collect debt in my state. If you can not provide the requested documentation verifying the debt, you must immediately cease collection activity and request deletion of the account from all credit reporting agencies. Additionally, if this debt continues to be reported without proper validation, I will file complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney General for violations of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. I request that all future communication regarding this matter be in writing.

Company response to consumer: Closed with explanation