vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Issue : Improper handling of voluntarily surrendered vehicle and inaccurate loan balance reporting Complaint : I voluntarily surrendered my XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, at which time the past due amount was {$4200.00}. In XX/XX/XXXX, I visited a Wells Fargo branch in XXXX XXXX and spoke with a representative in the vehicle loan department regarding settling the remaining balance. I was informed that the loan could not be settled because the vehicle is still registered in my name. On XX/XX/XXXX, I contacted Wells Fargo again and was explicitly told that the vehicle has not been sold and remains in my name. I was further informed that the full remaining loan balance ( approximately {$18000.00} ) is still owed, and that the only way to resolve the balance would be for me to regain possession of the vehicle. This situation raises serious concerns. The vehicle was surrendered in XX/XX/XXXX, yet as of XX/XX/XXXX, Wells Fargo has not sold the collateral or applied any value toward the outstanding balance. Instead, they continue to report and collect on the full balance. Under standard lending practices and applicable law, including Uniform Commercial Code Article 9, a lender is required to dispose of repossessed or surrendered collateral within a commercially reasonable timeframe and apply the proceeds toward the loan balance. Wells Fargos failure to do so for over XXXX years appears unreasonable and has resulted in ongoing financial harm. Additionally, the continued reporting of the full balance without adjustment may constitute inaccurate reporting under the Fair Credit Reporting Act.

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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
The car is paid off but it is reporting as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the failure of a creditor/collection agency to properly reinvestigate and validate a disputed account on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I previously disputed the accuracy of this account and requested proper validation, including documentation bearing my signature and proof of the alleged obligation. However, the company has failed to conduct a reasonable reinvestigation and has instead continued to report the account without providing adequate verification. This conduct appears to be in violation of my rights under federal law, including but not limited to : * Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i * Failure to provide proper disclosure of information under 15 U.S.C. 1681g * Continued reporting of unverifiable or inaccurate information Despite my request, I have not received sufficient evidence to substantiate the validity of this debt. Simply stating that the account has been verified without providing supporting documentation does not meet the legal requirements for validation. As a result, I am requesting the following : 1. Immediate reinvestigation of the disputed account 2. Full validation of the debt, including original signed agreement and complete account history 3. Deletion of the account from my credit report if proper validation can not be provided 4. Written confirmation of the results of the reinvestigation If this matter is not resolved promptly, I am prepared to pursue further action to enforce my rights under applicable consumer protection laws. Please investigate this matter and ensure compliance with all applicable regulations. Sincerely, XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am disputing a collection account reported by National Credit Systems for approximately {$110.00} related to a prior apartment lease. On XX/XX/year>, I sent a certified written dispute and request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In that letter, I requested full documentation supporting the debt, including proof of tenant responsibility, an itemized statement of charges, and documentation of the units condition at move-in and move-out. To date, I have received no response and no validation documentation from the collection agency. Despite failing to respond to my validation request, the account was reported to the credit bureaus and continues to be reported, which constitutes continued collection activity without providing the requested validation. At no point has any documentation been provided establishing that I am responsible for the alleged damages. The only references made have been to photographs, which do not demonstrate that the damages were caused by the tenant rather than being pre-existing. At move-in, tenants were instructed to document pre-existing conditions, and the property has since stated those records are no longer available. Despite the lack of documentation establishing tenant responsibility, this account was reported as a collection account. After disputing the account, XXXX removed the account, while XXXX XXXX XXXX continue to report it as verified. This inconsistency raises serious concerns about the accuracy of the reporting and the adequacy of the investigation process. Additionally, I did not receive any validation or written correspondence regarding this account. It appears that notices may have been sent to a prior address where I no longer reside, which prevented me from having a fair opportunity to review or respond prior to the account being reported. I am requesting the following : Full documentation validating the debt and establishing my legal responsibility The method of verification used by each credit bureau Immediate deletion of this account from all credit reporting agencies if proper validation can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson Capital is reporting a {$1800.00} collection account for an alleged XXXX XXXX debt. However, XXXX XXXX is also reporting the original account as charged off, sold/transferred, and with a {$0.00} balance. This creates contradictory and potentially duplicative reporting. I am disputing Jefferson Capitals authority to collect and report this account unless they can provide proof of ownership, proof of assignment or sale from XXXX XXXX, the correct date of first delinquency, an itemized balance, and written verification that this account is not being reported as a duplicate or conflicting balance. I am requesting that Jefferson Capital investigate this matter, provide documentation proving its authority to collect and report this account, correct any inaccurate information, and delete the collection if it can not be fully verified as accurate, complete, and legally reportable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
I recently opened a XXXX account, and requested a XXXX debit card. Once opened I made a total of XXXX transactions, XXXX was receiving money from my father in the amount t of {$350.00}, then I used my XXXX debit card for a few transactions like gas, etc. what I wasnt aware of was that someone decided to suspend/freeze my account so I was able to deposit {$100.00} onto that XXXX debit card but now Im not allowed to withdraw my own money? They have sent an email stating they will be keeping my money XXXX days? However per the user agreement they are only allowed to do that if a person has defaulted payments which I DO NOT!! I want the funds that I accidentally deposited to the account not knowing I wouldnt have access to the funds, also if my account was frozen why was o even able to deposit money onto that account? That makes no sense, but they should not be allowed to hold my own money hostage from me especially since Ive only had the account open like a week or so?! Please help me get my money from them!! I cant afford to just have {$100.00} of my own money held for absolutely no reason, I am uploading pics to show every transaction Ive done with this app for review, please help me understand how I violated any user terms?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I've been dealing with this company for a while trying to exlain to them that the account was not mine and when I contacted the original credit card company they told me that my phone number was not associated with any account in XXXX XXXX and since then I filed an Identy theft report and they are even ignoring that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am filing this complaint regarding Freedom Mortgages handling of my VA loan repayment request. I submitted a request for an extended repayment plan due to financial hardship. However, Freedom Mortgage has failed to process my request in a timely manner and has provided no clear timeline for review. I have contacted the company multiple times and was recently informed that my request is still sitting in underwriting. Representatives could not provide : * The date my request was submitted into underwriting * The current stage of the review * Any estimated turnaround time * Whether the request has been submitted to the VA Additionally, I was told there is no turnaround time, and I was not allowed to speak with underwriting or provided with a supervisor who could resolve the issue. This delay is unacceptable, especially given that this is a VA loan and involves loss mitigation due to hardship. The failure to process my request promptly places me at risk of further financial harm and potential delinquency.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Winklevoss Exchange LLC
State: OK

Complaint narrative:
A XXXX XXXX XXXX arrived in the mail. I never applied for this card. I immediately called the company and they apparently closed it but I just received a {$4500.00} bill for the card. These are not my charges. They told me they know it is fraud. I'm just worried because someone has my SS number and address and opened it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is my previous case reference : ( Case # XXXX ) Citibanks response is misleading, evasive, and does not address the core issue of my complaint. Citi claims that the remaining {$27000.00} is not owed to me, yet provides zero documentation to support this statement. Their response attempts to close the matter by making an unsupported conclusion without providing any verifiable transaction evidence. Additionally, Citis letter states that I may contact their Fraud Department if I have questions. I followed their instructions and called the provided number, but Citi representatives again refused to provide any proof, trace number, transfer reference, return confirmation, or written explanation. This shows Citi is intentionally refusing to cooperate and is using vague language to avoid accountability. To date, Citibank has failed to provide any of the basic information required to confirm the alleged return of funds, including : Wire/transfer trace number ( XXXX/ACH reference ) Return confirmation or MT message Date and method of return Receiving bank details Any record proving the funds actually left Citibank and were successfully returned Citis claim that the funds were returned is unsupported and can not be verified. The sender has not received the funds and Citi refuses to provide documentation, leaving the money unaccounted for. Citibanks response appears designed to mislead regulators and close the complaint without producing evidence. I request CFPB intervention to require Citi to provide complete written trace documentation proving where the funds were sent, or to immediately release the {$27000.00} owed to the account holder.

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 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
I was quoted a 5.25 % interest rate with approximately {$10000.00} in closing costs by AmeriSave Mortgage Corporation and agreed to proceed based on those terms. However, when I received the Closing Disclosure, total closing costs exceeded {$20000.00} due to the addition of discount points that were not clearly disclosed as part of the quoted offer. The key loan terms, including interest rate and estimated closing costs, were primarily communicated verbally and were not clearly documented in writing prior to issuance of the Closing Disclosure. This discrepancy was not explained prior to issuance of the Closing Disclosure, and the loan continued to move forward with incorrect terms despite my attempts to resolve the issue. There were extended periods with no response from my loan officer, which delayed resolution and prevented me from making informed decisions. During my review of the Closing Disclosure, a loan documentation specialist indicated that the discrepancy in closing costs was unexpected, further reinforcing that the terms presented to me were inconsistent. As a result of these delays and misrepresentation of pricing, I lost the opportunity to lock a competitive rate with another lender while rates were lower. I was ultimately forced to proceed with a higher rate than expected. All discussions regarding the quoted rate and closing costs occurred over AmeriSaves recorded phone lines, and I request that these recordings be reviewed as part of this complaint. Timeline of Events Initially quoted 5.875 % interest rate with approximately {$10000.00} in closing costs After market rates dropped and receiving a competing offer, contacted AmeriSave and was quoted 5.25 % interest rate with approximately {$10000.00} in closing costs Agreed to proceed based on the 5.25 % quote Received Closing Disclosure showing over {$20000.00} in closing costs due to added discount points Attempted to resolve discrepancy through loan officer and team Experienced weeks of no response from loan officer Closing was scheduled with incorrect terms I canceled Continued attempts to escalate through AmeriSave representatives Ultimately informed the lower rate could not be honored without paying excessive points Due to delays, lost opportunity to lock competing lender rate as market rates increased Forced to proceed with loan at 5.875 % interest rate

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-04-27 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: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I keep getting monthly bills with increasing fees after paying the account in full and asking for closure

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
My bank account number and SSN number were taken and this apparently was opened fraudulently, Ive reported it as Identity theft but Im still waiting to get a new SSN card as I already got a new bank account. Asked to provide proof and they said they sent it to me via mail, however I have get to receive anything saying its legitimate.

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital offered a settlement for an account for XXXX XXXX. I paid the amount in full on XX/XX/year>. Their website advises they will remove the credit reporting within 30 days. They havent. I called today and the representative advised they sent the request on XX/XX/year>. This item hasnt been updated on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
The bank restricted my account access in conjunction with a fraud investigation. Immediately after this, my XXXX enrollment and account access at multiple other banks were restricted. After contacting a few of them, I was told that this is because Everbank published information to XXXX that I was engaged with fraud. Everbank 's actions have limited my access to my accounts and my ability to send money across multiple bank accounts. Everbank is giving me no information whatsoever except that " my account is under investigation ''. They are refusing to even provide me my most recent/a final account statement.

Company response to consumer: Closed with explanation