vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I cancelled my service with XXXX XXXX XXXX on XX/XX/scrub>, 2025. Obviously paying my bill in full and leaving with aXX/XX/XXXXdollar balance. I received an Alert from my XX/XX/XXXXAccount on XX/XX/year>2025, stating a collection in the amount of {$180.00} had been placed on my Credit report by Credence Resource Management? I had NEVER heard of this debt before or Credence Resource Management. I attempted to find information on this collection by contacting XX/XX/XXXX but I was unsuccessful. I received a letter from Credence Resource Management dated XX/XX/year>2025, several days later stating I owed {$180.00} and the debt 's original creditor was XX/XX/XXXXwith the account number ending in XXXX. I was aXX/XX/XXXXcustomer for well over XX/XX/XXXX years and never missed a payment or made a LATE payment. During this time period my Account number ended in XXXX and was always in Excellent standing! I contacted XX/XX/XXXXimmediately concerning this matter and I was told my account had been closed and was closed with a XXXX balance. I asked for a Reference number for my account and the XXXX XXXX XXXX representative said XXXX XXXX XXXX doesn't provide Reference numbers for accounts. But, in fact, I actually overpaid with the last payment and should've received a payment card with a refund which I did receive in the amount of {$31.00}. This payment card was issued on XX/XX/scrub> 2025. The letter shows my last payment and date, balance of XXXX dollars and a credit balance of {$31.00} stating NO PAYMENT REQUIRED. I sent this to XX/XX/XXXX and they sent this information to Credence Resource Management. This Collection remained on my credit report? I have attempted to dispute this collection XX/XX/XXXXthrough XX/XX/XXXX and I'm trying to understand what company sends a refund card for overpayment.to a patron that owes them money? I have enclosed correspondence from XXXX XXXX XXXX stating my payments and balances, copy of refund card for overpayment stating reason for overpayment, and copy of letter Credence dated XX/XX/year>2025. What more proof does Credence need? This action has ruined my credit and caused much strife to my family as well as myself. Credence has never provided any information I requested to end this NIGHTMARE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Public Title Services, LLC
State: CT

Complaint narrative:
I am writing to formally document my ongoing concerns regarding this Public companys continued access to my account despite my repeated requests to close the account and delete my personal information.I have previously contacted this company and submitted a written request via email instructing them to immediately close my account, stop processing any transactions, and remove my personal information from their system. However, despite my clear instructions, unauthorized withdrawals from my personal bank account have continued. In addition, this company has continued to provide excuses and delays instead of following my direct request to terminate the account relationship. I did not authorize any further withdrawals, debits, or access to my banking information after my closure request was submitted.This letter serves as a final formal demand that your company : 1. Immediately close my account. 2. Cease all access to my banking information. 3. Stop all unauthorized withdrawals and transactions. 4. Delete my personal information from your records and systems. 5. Provide written confirmation that these actions have been completed. Advise them that Failure to comply may result in complaints being filed with the appropriate consumer protection agencies, banking institutions, and regulatory authorities for unauthorized transactions and failure to honor my account closure request. I expect immediate attention and resolution to this matter. I document all communication with them and Im hoping you can assist me in finding a Resolution thank you Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened student/minor checking accounts for my XXXX XXXX XXXX at Regions Bank . Regions Bank converted the accounts to fee-bearing accounts without my authorization on two separate occasions. During the first incident, account ending in 9976 was charged {$56.00} in unauthorized fees. Regions only refunded {$16.00}, leaving {$40.00} unresolved. I visited the branch in person to correct the account type. Regions then converted both accounts again without authorization. Account XXXX and account XXXX were each charged {$24.00} in unauthorized fees during the second incident. Regions refunded {$16.00} on account XXXX and refused to refund anything on account XXXX, citing prior refunds. The branch manager stated it was my responsibility to monitor statements, which does not address the fact that Regions changed the account types without my consent. Total outstanding : {$88.00}. Ticket numbers XXXX and XXXX were submitted on XX/XX/year> to correct the account types.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc.
State: WA

Complaint narrative:
I received a statement in the mail from a debt collection company saying I owed a debt from a XXXX XXXX. I have never owned or had a credit card through XXXXXXXX XXXX or mastercard. The other suspicious thing on the collection invoice is my name was not correct. It has it as XXXX XXXX XXXX, which is not my legal or correct name. My Name Is XXXX XXXX XXXX. Prior to XXXX it was XXXX XXXX ( no middle name ). It was clear to me it was opened from fraud. I called XXXX XXXX and Client Services ( the debt collector on the invoice I got in the mail ). I filed fraud with both. The first invoice said I owed XXXX, now it is saying I owe XXXX. Invoice # XXXX Date XX/XX/year> XXXX Services XXXX I would like this account resolved to not be affecting my credit. I had fraud on my bank account about 5 months ago and I believe this is linked to the fraud. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I am filing a complaint regarding USAA and its affiliate/service provider, XXXX, related to a windshield damage claim. A rock struck my windshield, and I contacted USAA regarding coverage. USAA advised that the damage was covered and coordinated the repair process through XXXX, which operates as an affiliate/service provider handling glass claims and billing. At no point before the work was completed was I clearly informed that I would be personally responsible for charges totaling approximately my deductible amount. After the repair was completed, XXXX billed me directly for amounts including approximately {$440.00} plus additional charges. I was later told by USAA that because my policy deductible applied, no payment would be issued by USAA. My concern is that neither USAA nor XXXX clearly disclosed, prior to performing the work, that I would be financially responsible for these charges. Based on prior windshield claim experiences, I reasonably understood the repair to be covered without substantial out-of-pocket cost. Because XXXX was acting within USAAs claims process and as an affiliated provider, I believe there was a duty to clearly communicate any deductible responsibility before authorizing and completing the repair. In my view, consumers should not receive surprise billing after relying on representations that a claim is covered, particularly when the insurer directs the consumer to an affiliated repair provider. I am requesting a review of : the failure to adequately disclose deductible responsibility before service ; the billing and authorization practices between USAA and XXXX ; whether the charges were properly approved and communicated ; and whether the bill should be waived or adjusted due to the lack of disclosure and coordination issues. My auto policy is issued in Colorado.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: NV

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I was in XXXX XXXX and attempted twice to withdrawal funds from an XXXX ATM. Both attempts ended with an error and no cash was disbursed. However, the funds were withdrawn from my Wells Fargo checking account for both transactions : One for {$580.00} with the following ATM info : NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM ID XXXX CARD XXXX and the other for {$380.00} with the following ATM info : NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM ID XXXX CARD XXXX From what I could tell, anyone attempting to withdraw funds in that 5-10 minutes I was in the ATM area did not receive any cash. I opened a claim with my bank, Wells Fargo, and they reimbursed me for the funds while the claim was under investigation. I recently received a letter saying that they reversed the claim and would be removing the reimbursed funds from my account for the following reason : Returned merchandise but didn't receive credit. I called Wells Fargo today, XX/XX/XXXX, and the Wells Fargo claims contact told me that they attempted to resolve the dispute with XXXX XXXX, but that XXXX XXXX responded saying that they showed cash was dispensed. Wells Fargo says there's nothing else they can do. I've requested the paperwork/correspondence they got from XXXX, but it'll be up to 30 days before that arrives in the mail. I do not believe that XXXX included ATM video or photo evidence in their dispute. Wells Fargo has closed my claim, reversed the reimbursement of {$970.00} and says I have to dispute the claim directly with XXXX now. The XXXX website + claims option is in XXXX, so I'm not sure how to dispute this directly. I'm attaching the claim page from my Wells Fargo account along with a screen grab of a text I received on the day of the withdrawal saying that WF declined the {$570.00} transaction. I reached back out to Wells Fargo after finding the text message : " Wells Fargo : do you recognize the declined declined transaction of {$570.00}? '' I did NOT respond to to authorize the withdrawal and Wells Fargo is now stating that the XXXX audit of the machine ( s ) supersedes any text alerts I received and that the ATM owners ' audit is the final say in the matter.

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: CA

Complaint narrative:
CFPB Complaint Statement I am filing this complaint against Kickoff Lending LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Kickoff Lending LLC has reported inaccurate and misleading information regarding my payment history to the consumer reporting agencies. This information is incorrect and has remained on my credit report for an extended period of time, despite multiple disputes submitted directly to the company and through the credit reporting agencies. Under the FCRA, specifically : * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. * 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, furnishers are required to conduct a reasonable investigation and correct or delete any inaccurate or incomplete information. * 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Despite being notified multiple times, Kickoff Lending LLC has failed to conduct a proper investigation and has continued to report inaccurate payment history. Additionally, the credit reporting agencies have failed to correct or remove this information after being notified, further compounding the harm. As a result of these ongoing violations, I have been forced to live with inaccurate and damaging information on my credit report for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number XXXX XX/XX/year> NOTICE OF ERROR / QUALIFIED WRITTEN REQUEST Under RESPA and Regulation X To : Freedom Mortgage Company XXXX I am formally disputing multiple errors regarding the servicing of my mortgage loan. The following issues require immediate investigation and correction : Incorrect Late Charge Freedom Mortgage assessed a late charge of {$42.00} even though my payment was not late. Multiple customer service representatives acknowledged by telephone that the fee was improperly charged and stated it would be removed within 2448 hours. The fee remains on my account. Incorrect Escrow Calculation After my XXXX payment, my account reflected : Loan balance : {$420.00} Escrow balance : {$180.00} Deferred payment balance : {$2600.00} Freedom Mortgage is now attempting to charge an escrow amount of {$6300.00}, despite not paying my XXXX taxes and insurance from escrow. I request a complete escrow analysis, including all calculations, disbursements, projected payments, shortages, advances, and supporting documentation. Improper Force-Placed Insurance Freedom Mortgage added XXXX insurance coverage even though I already maintained valid homeowners insurance through XXXX XXXX , which your company was already aware of and paying from escrow. The force-placed insurance was unnecessary and duplicative. I have since cancelled the XXXX policy. I demand : Immediate removal of all force-placed insurance charges Confirmation that my XXXX XXXX policy satisfies all servicing requirements Refund of any improper premiums, fees, or escrow charges related to the XXXX policy Failure to Provide Written Confirmation / Servicing Concerns Your representatives repeatedly refused to provide written confirmation of matters discussed over the phone. I also believe the ongoing collection and foreclosure-related conduct may constitute unfair servicing practices. Please provide : Complete payment history Escrow history Copies of all notices related to force-placed insurance Copies of all late fee assessments Notes and records regarding my calls Identification of the owner/investor of my loan Written explanation supporting all disputed charges I request that all disputed fees and collection activity related to these errors be suspended pending investigation. Please correct these errors immediately and provide a written response within the time required by federal law. Sincerely, XXXX XXXX XXXX XXXX Here is the last I sent to them.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
Please see case ID XXXX Good afternoon I acknowledge receipt of your email dated XX/XX/XXXX. I am XXXX XXXX XXXX and not tech savvy so struggle to keep up to date with emails. I logged on to your site and found no response from you? To be clear this matter is NOT settled. My bank tried to ring me twice weeks ago but I am virtually deaf so did not hear the call in time. I tried ringing them back and had the exact same problem, they didn't answer. I emailed the bank manager back and asked him to call my daughter, giving him authority to speak to her ( XXXX XXXX ). To date Wells Fargo have made absolutely NO ATTEMPT to contact me by email or telephone after the initial call and have never contacted my daughter. Let me state for clarity, my Jamaican wife has decided she is not going to come to the XXXX and is accessing ALL my funds whilst I can not. I am left relying on food banks and am virtually destitute by her actions and the callous disregard shown by Wells Fargo. The money she is accessing is my social security, only {$20.00} of the money deposited each month is hers. I do not wish to use the word fraud, but you understand my plight. I am desperate for help. Please, please, please do something. Regards 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
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, I disputed this account with the credit bureaus because I noticed inconsistent and inaccurate reporting related to the account status, payment history, balance information, and dates being reported. On XX/XX/year>, I mailed a direct dispute and request for verification to the company asking them to investigate the account and provide documentation supporting the reporting of this account, including the balance, payment history, and other account details. The letter was sent by certified mail. As of today, I have not received any documentation or meaningful response regarding my request. USPS tracking also shows the certified letter has remained in transit for an extended period of time. Despite the dispute, the account continues reporting on my credit file. I am requesting that the company conduct a proper investigation and correct or remove any inaccurate or unverifiable information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was in XXXX XXXX XXXX XXXX for vacation on XXXX XXXX late at night after midnight XX/XX/year> shopping the local vendors I either laid my debit card down or dropped it but not realizing it. Then shortly after my phone notification goes off for {$190.00} that my chime debit card had been used. I was not comfortable going to the police station in XXXX I left the next morning flew home. I filed a dispute with chime on the XXXX they rejected it on the XXXX so I filed a police report in my town. Resubmit on the XXXX with the police report a little over XXXX hrs later it's denied again. I did not make this charge on my account and I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I was XXXX during the course of these events and did not have the ability to receive mail or use my phone. During the month of XXXX progressive insurance say that they tried to take there standard monthly payment and it was unsuccessful. I filed a complaint with your office and got there response. So I filed a complaint with you about my bank, B of A. XXXXheyre response was that they never received a request for payment. You have both responses. Now Im stuck in the middle with each party blaming another. Could you please look into this. Thank you

Company response to consumer: Closed with explanation