vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding their handling of a disputed debt and their subsequent communication practices. After exercising my rights to dispute a debt/account appearing on my consumer report, I was contacted by Wells Fargo and informed that concerns were raised regarding my dispute. I believe this conduct may constitute improper debt collection and credit reporting practices under the : * Fair Credit Reporting Act ( 15 U.S.C. 1681 ) * Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) * Fair Credit Billing Act when applicable Under federal law, I have the right to dispute inaccurate, incomplete, or unverifiable information without intimidation, vague accusations, or retaliatory conduct.

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 2026-05-26 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: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding missing credit card statements after the transfer of my XXXX AAdvantage credit card account to Citi. My XXXX AAdvantage credit card account was transferred to Citi in XX/XX/XXXX. After the transfer, Citi issued me a new card and migrated account access to the Citi website. However, when attempting to retrieve my XXXX statements for tax preparation purposes, the XXXX, XXXX, XXXX XXXX and XX/XX/XXXX statements are missing from my online account. I contacted Citi customer service multiple times and was informed that they do not have access to those statements. Because the account was transferred away from XXXX, I also no longer have access to my prior XXXX online account to retrieve the records myself. I requested escalation and assistance obtaining the missing statements, but I have not received a resolution. I am requesting that Citi and/or XXXX provide copies of my XXXX and XXXX billing statements or otherwise provide complete transaction records for those periods. These are my personal financial records, and I need access to them for tax and recordkeeping purposes. I would like : 1. Copies of all my XXXX and XXXX statements, OR 2. A complete transaction history for those billing periods 3. Clear guidance regarding which institution is responsible for maintaining and providing historical records after the account transfer Thank you.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
The call occurred on XX/XX/year>, at XXXX PM from the number XXXX. A debt collection agency named XXXX XXXX XXXX called regarding a Capital One account. They intentionally masked their corporate identity on my caller ID, displaying XXXX XXXX XXXX XXXX instead of their company name. They used this misleading caller ID tactic to bypass my spam filters and trick me into answering the phone, which violates rules against deceptive collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing a complaint against TSI Collections for continuing to contact me regarding an alleged debt after receiving multiple written cease-and-desist notices. I mailed & emailed multiple cease-and-desist letters on [ XXXX ] and they confirmed receiving them, directing the company to stop all communications concerning any alleged debt, as they said I owed XXXX accounts held by them Despite receiving those notices, TSI Collections continued sending emails & calling demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My accounts were closed but I still have over {$900.00} that was not returned to me yet. I was told the fraud department was handling this account because they think the account was open fraudulently. It was not opened fraudulently and regardless of what they believe the account is closed and the funds I put on the account should be returned to me. My funds have not returned to me and this account has been closed for over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I applied for a personal loan online from one main financial I spoke to manager XXXX in XXXX XXXX and went over some questions to finalize my personal loan she set an appt to finish the process, I did let her know that I worked and we had the same hours so it was going to be hard to speak with someone because it takes a 45 mins to complete loan. I said Ill try my best to answer. I called them back when I couldnt reach them. Finally spoke to someone else and let them know I was interested I just needed the time to finish the process she said she would call me back. They didnt call me back. So I called them i spoke to XXXX and she said that they closed my loan and I asked why if it was approved already and they told me I just needed to sign to said we cant keep the loan open I was like it hasnt even been 10 days she said I had to do a new loan app and I asked her why she said that was the only way. I did the app and it showed duplicate and they ran my credit twice. The second time it got declined. I dont know why they close the first loan when online it shows its good for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
The debt collector is reporting a rent balance that is not legally owed. XXXX XXXX, the landlord, issued a written lease termination notice and removed the tenant from the housing. Because the landlord terminated the lease, the tenant had no obligation to pay rent after the termination date. The collector has not provided any validation required under FDCPA, including the lease, the termination notice, itemized charges, repair invoices, or proof that rent was owed for the period they are attempting to collect. This debt is inaccurate and should not be reported.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: WI

Complaint narrative:
The call occurred on XX/XX/2026, at XXXX XXXX from the number XXXX. A debt collection agency named Radius Global Solutions called regarding a XXXX XXXX account. They intentionally masked their corporate identity on my caller ID, displaying 'TOLL FREE CALL ' instead of their company name. They used this misleading caller ID tactic to bypass my spam filters and trick me into answering the phone, which violates rules against deceptive collection practices.

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 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Request for Investigation Mortgage Mishandling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am submitting this formal request for an investigation into the handling of my mortgage account from XXXX through XXXX. I believe there may have been ongoing errors, mismanagement, servicing violations, improper accounting, payment misapplication, or other potentially unlawful conduct connected to my mortgage during this time period.I need someone to investigate this matter. As a result of the mishandling of the second mortgage, the property was foreclosed on and sold at auction. We are now facing eviction and the potential loss of our home. I am requesting a full review of the history of my mortgage loan, including but not limited to : Payment processing and application Escrow accounting and adjustments Interest calculations Fees, penalties, and charges assessed to the account Credit reporting related to the mortgage Loan servicing transfers Modification reviews or denials Foreclosure-related actions, if applicable Communication records and notices sent to me Any discrepancies in balances or account status I am asking that all relevant records, payment histories, servicing notes, correspondence, and transaction documentation be reviewed to determine whether my mortgage was handled properly and in compliance with all applicable federal and state laws. The issues associated with this mortgage have caused significant financial hardship, stress, and concern over the accuracy and legality of the servicing of my loan over the last XXXX years. I respectfully request : A formal investigation into the handling of my mortgage account. Copies of all records related to my loan. A written explanation of any errors, discrepancies, or servicing irregularities discovered. Correction of any inaccurate reporting, balances, fees, or account information. Any remedies available under applicable consumer protection or mortgage servicing laws. The companies involved XXXX XXXX, XXXX XXXX, Ocwen, PHH and Onity Please confirm receipt of this request and advise me regarding the next steps in the investigation process. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX Tx XXXX RE : Case numberXXXX Request for Validation and Cease Third-Party Contact To Whom It May Concern, I am responding to communications regarding an alleged debt associated with case numberXXXX. Your representative has contacted my family members and disclosed my full name, alleged legal matter, and case information. This communication was improper and I demand that all contact with third parties regarding me cease immediately. I dispute this alleged debt and request full written validation, including : The name of the original creditor The amount allegedly owed Documentation showing transfer or assignment of the account to your company Proof of your legal authority to collect Documentation showing I am legally responsible for the debt I request all future communi cation be in writing only. Do not contact me or my family by telephone. Failure to comply may result in c omplaints being filed with consumer protection agencies. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
In continuation to '' : YOUR COMPLAINT Complaint # XXXX and XXXX and case number XXXX continuance. The company responded that it has now been determined that I missed the XX/XX/XXXX mortgage payment instead of their original statement, '' saying that I missed my XX/XX/XXXX payment ''. My complaint remains the same, I did not miss my XX/XX/XXXX payment either as proof is attached and for your information the XXXX XXXX XXXX Orders can be tracked by serial number showing proof of who cashed them with the date processed. Remedy : I want these payments to be recognized and fixed immediately and all the fees associated with me being late to be removed. I was in a XXXX XXXX XXXX and by court order could NOT miss a payment. IF a payment was missed, I would have been pulled before the Judge, and my case would not have been discharged and found to be in good standing for making all my payments as ordered. Also, it is noteworthy to say that this mortgage company should not have been charging fees without an approval from the courts to me anyway according to the Bankruptcy Rule 3002 CONTINUANCE : The Mortgage Company stated on their response that a Post Petition Fee Notice was filed with the bankruptcy court on XXXX XXXX, XXXX, which listed post petition fees totaling {$1200.00}. However, we have not received payment and therefore, the amount due remains outstanding. RESPONSE : This was a court order and I was instructed to pay that amount back in 6 payments on the XXXX of each month. ATTACHED you will find my proof of payments just as the Judge ordered and not one payment missed.

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 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: IN

Complaint narrative:
I dispute this collection account because the underlying balance originated from a technician service fee that I was informed would be free. After I challenged the unexpected charge, additional late fees and collection amounts were added. I also believe the account is being reported with inaccurate or misleading dates that make the debt appear newer than the actual delinquency. I request full validation of the debt, including the original agreement, billing records, technician service authorization, and the correct date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I am writing to dispute and demand reversal of an annual fee charged to my XXXX credit card account immediately prior to the transfer/conversion of the account portfolio to Citibank. XXXX assessed an annual fee to my account on XX/XX/XXXX. I sent a dispute letter to the address located on my statement, when I received the statement, saying that I was under the impression from the letter sent by XXXX to me in the prior months, that XXXX was being bought by Citibank and would become one account. I was disputing an annual fee by a company who would no longer service my account. Shortly thereafter, the account relationship was transferred, converted, or otherwise closed in connection with the transition from XXXX to Citibank. Upon the receipt of the statement containing the fee, I timely disputed the charge on XX/XX/year>. I received no response. In contacting XXXX by phone, they have refused to resolve the matter, asserting the account is now under Citibank. Citibank has refused to resolve the matter, asserting that the fee originated with XXXX and that account is closed. They state that it is past the date I could dispute the charge and that my only recourse was to pay the {$99.00} fee to Citibank. Upon calling Citibank I was advised that they had opened a new credit card account, along with the original account, a card which I have never even received, nor have I received a statement from the new Citi account, the one I had no knowledge of. I immediately closed that second account, I did not need two Citibank credit cards. Citibank had already charged an annual fee for their card on XX/XX/year>. This outcome is unacceptable and appears inconsistent with basic obligations of fair dealing and consumer account servicing. Charging an annual fee immediately before terminating or transferring the account relationship, subsequently denying any effective dispute process, seems fundamentally unfair and potentially in violation of applicable consumer protection standards. I am requesting a full refund/reversal of the annual fee and any interest or penalty charges. Also, I request written confirmation that no adverse credit reporting has occurred or will occur. I would also like identification of the institution responsible for handling disputes during the XXXX to Citibank transition.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America closed my credit card account without letting me know that I had {$300.00} worth of awards that they owe me or use to pay down my bill. This is not fair with Bank of America taking responsibility of closing the account without prior notice. I should not lose my reward money without notifying me. They did this with there own reconnaissance.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a complaint XX/XX/year> that Capital One and its representatives/employees were contacting me regarding a debt owed by a XXXX XXXX and violating consumer laws. I requested a cease and desist due to this violation. Capital One has now retaliated against me for a debt I have been paying to them since the chargeoff filed in XXXX. I received a text message last week that a lawsuit was filed against me. Since that day, my mailing address has been flooded with letters from Texas law offices/firms beginning XXXX exposing my information regarding my debt and causing me stress and embarrassment. These lawyers and lawfims are contacting me but I havent received word from Capital One or XXXX XXXX firm regarding this and I am sure this is retaliation because of my previous complaint. I found on Capital One 's app, after seeing the text, that I need to call XXXX XXXX firm regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I received an email that Sequium Asset solution reported unpaid amount of {$260.00} on my credit report. I called them email them and do everything so someone can tell me to whom I who and why this debt collection on my credit report. Nothing comes up on my name not even a single XXXX. If I owe someone I can pay right now but I dont receive any mail any call regarding I owe {$260.00} to someone. I never missed my payment. Now due to this my credit report messed up. Please find solution let me provide information I will pay or if this is an error on someones part kindly remove this derogatory report from my credit. Thankyou

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I am submitting this complaint regarding Department of Education student loans that are currently reporting on my credit report as collection/charge-off accounts, which is completely inaccurate and deeply concerning. These accounts were not previously reporting, and I have no knowledge of them whatsoever. I did not take out these loans, I did not attend school, and I am not in any way associated with this debt. This is a serious issue that I believe may be the result of a reporting error or potentially mixed or fraudulent information being attached to my credit file. Under the Fair Credit Reporting Act ( FCRA ), any account listed on my credit report must be fully accurate, verifiable, and clearly connected to me, and at this time, these accounts do not meet those requirements. The sudden appearance of multiple student loan charge-offs that do not belong to me is extremely damaging to my credit and is a major violation of my rights as a consumer.

Company response to consumer: Untimely response