vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts was not done by me and some of the accounts used the wrong social security number ending in XXXX I need these identity fraud accounts removed I've already disputed them several times with the credit bureaus and reached out to the companies also with Experian my social is reporting wrong they have mixed socials on the account

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Please its been months dealing with this balance please update my balance to the credit bureau I owe only XXXX not XXXX please update balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball , Tirey & St. John LLP ( KTS ), File XXXX, Account XXXX, is attempting to collect {$1600.00} on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX / XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. The debt arises from disputed move-out charges following lease termination in XXXX 2024. The reported balance is factually unsupported. The original creditor violated California Civil Code 1950.5 in multiple documented ways, and KTS continues to furnish this account to all three credit bureaus despite receiving dispositive documentary evidence on XX/XX/XXXX and again on XX/XX/XXXX that it has never rebutted. KEY FACTS : ( 1 ) Vendor invoices predate the move-out inspection. The landlord paid XXXX vendors before any inspection occurred : XXXX XXXX 's Painting Invoice # XXXX ( XX/XX/XXXX ), XXXX XXXX Cleaning Invoice # XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The move-out inspection was not conducted until XXXX/2024 four to five days after these invoices were issued. Repair decisions were made before any damage assessment occurred. The charges have no documentable factual basis. ( 2 ) Written admission by the landlord. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated in a written email dated XX/XX/XXXX that the pre-move-out inspection process " did not take place '' a direct admission of a 1950.5 ( f ) violation. ( 3 ) Move-out inspection conducted without tenant presence or advance notice, XXXX days after keys were returned a 1950.5 ( f ) ( 3 ) violation. ( 4 ) Pre-existing damage documented. The Move-In Inspection Agreement ( XXXX2022 ) records scratches and stains on the same surfaces later charged as tenant-caused damage. KTS IS FURNISHER OF RECORD : KTS reported this account as a {$1600.00} unpaid collection to Equifax, Experian, and TransUnion. That reported balance is factually unsupported. I provided KTS with this evidence on XX/XX/XXXX and again on XX/XX/XXXX. Under FCRA 1681s-2 ( b ), upon receiving notice of a dispute KTS was obligated to : ( 1 ) conduct a reasonable investigation ; ( 2 ) review all relevant information provided ; ( 3 ) report results to the bureaus; and ( 4 ) correct or delete information it could not verify. KTS did none of these. It did not respond, did not investigate, and did not correct or suppress the furnishing. The account continues to report as an active unpaid collection at all three bureaus as of the date of this complaint more than 60 days after KTS received dispositive documentary evidence it has never rebutted. On XXXX XXXX, 2026, I sent a formal supervisory notice to KTS Managing Partner XXXX XXXX XXXX, XXXX, with a XX/XX/XXXX2026 response deadline. No response was received. All three bureaus have returned " verified '' results citing KTS as the furnisher confirming accuracy. KTS can not simultaneously ignore the dispute evidence and confirm accuracy to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I went to take money out of an ATM. I knew I had more than enough money. When I requested it, the atm said declined. I called USAA to figure out why my transaction was being declined and they said my account was under investigation for fraud. When I pressed and asked how simply taking money out of my account is fraud, they said its because I dont take money out often. Thats a pathetic excuse even if it were true. I take out roughly $ XXXX/XXXX a month. They unlocked my card. But I shouldnt need to call the bank every time I want to access my money. This institution needs to be investigated and reigned in. They are riddled with problems and worse, they say they care for veterans. If you look at their reviews, they treat veterans like garbage.

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
CRITICAL EMERGENCY : Account is scheduled for external collections TOMORROW MORNING, XXXX XXXX, 2026, for a {$30.00} balance caused entirely by fraudulent fees. I request an immediate halt to collections and an executive compliance review. My merchant website was targeted by a massive card-testing fraud cyberattack in late XX/XX/XXXX and XX/XX/XXXX. The attack hit my site with over XXXX small unauthorized donation transactions ( mostly {$5.00} ), totaling over {$3000.00}. I acted in good faith and disabled the donation system and manually refunded the vast majority of transactions one by one to protect consumers and the credit card network. I did not profit or keep a single penny of this fraudulent money. Because of the massive volume of refunds, my available balance was entirely depleted by the company 's transaction fees. Approximately 65 transactions could not be refunded because the remaining balance was completely consumed by accumulated processing fees ( {$0.00} per item ). Additionally, the company unjustly applied {$20.00} chargeback fees to items that were already flagged as fraud and refunded. I have called customer support over 50 times and sent dozens of emails. The company actively hides its support email addresses, making human help impossible to reach. Front-line agents repeatedly promised to clear the balance but failed to do so. Instead of protecting a merchant victim of a cyberattack, the company permanently closed my business account and ordered me to call their collections line ( XXXX ) to pay the remaining {$30.00} fraud fee by XXXX XXXX, 2026, or face external debt collection. I am completely innocent and did everything right ; PayPal helped, but it was a long, hard journey dealing with them, and they did not finish it. They did not help until the end, yet I am being punished while the cybercriminals face no penalties. I formally request : 1. An immediate halt to the XX/XX/XXXX collections action. 2. A full review by the company 's Risk/Fraud executive department. 3. Full reversal of the remaining negative balance and {$20.00} chargeback fees created solely by fraud processing fees. 4. Full reinstatement of the closed merchant account. I have some timestamped screenshots and some unacknowledged emails, messages, and refund receipts that I am downloading here. I indeed connected with them more than this download information. I called many times, and each call took me so much time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 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: GA

Complaint narrative:
I got a letter stating that if I do not use the card the account would be closed. I used the card for coffee but forgot. I was forgiven that late fee and asked to setup auto pay. The auto pay was not setup.I used card again months later got another fee. I asked to have it waived was told no because I had a fee waived. I tried to explain that I asked for auto pay but it was not setup. I said I would call back. I paid the min without fee. Next month I got another fee on the fee. I was told none of the fees could be waived. I wrote a letter to Emergency Response Unit Trying to explain I would not have got the last to feed if the auto pay was setup I was told no. The statement balance was {$72.00} of which {$60.00} was late fees. I think the company could have reasoned that my charges are not even1/4 of the full balance and credit one of the 2 fees back. This is what I asked for in my letter,

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX ( World Omni Financial Corp ), account XXXX, for extended inaccurate balance reporting in violation of FCRA Section 623 ( a ) ( 2 ). This account was charged off in XXXX 2022. Despite no payments being made and the collateral having been surrendered, the reported balance increased monthly for over a year, from {$6800.00} in XX/XX/XXXX to {$6900.00} in XX/XX/XXXX, an increase of {$170.00} on a closed, charged-off account. I submitted a certified mail dispute to XXXX ( received XX/XX/XXXX ) challenging the balance increases and demanding the vehicle auction sale credit, the deficiency calculation, and the signed retail installment contract. Following my dispute, the balance was corrected from {$6900.00} to {$3600.00}, a reduction of {$3300.00}. This correction confirms the furnisher had been reporting an inflated and inaccurate balance for an extended period. Despite this correction, XXXX 's XXXX XXXX, 2026 notification stated the account " has not been changed and will remain on your credit report, '' directly contradicting the {$3300.00} correction appearing in the XX/XX/XXXX final results. A furnisher that reports an incorrect balance for over a year and corrects it only after formal dispute has failed its obligation under FCRA Section 623 ( a ) ( 2 ). I request deletion of this tradeline from all credit bureau reports, or confirmation that the corrected balance of {$3600.00} is now accurately reported across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
ESCROW ACCOUNT FRAUD & MANUFACTURED DEFAULT I am a XXXX homeowner at XXXX XXXX XXXX XXXX XXXX Plains XXXX Maryland XXXX XXXX My mortgage is serviced by Shellpoint Mortgage Servicing ( NewRez LLC ). Shellpoint fabricated a massive escrow shortage that manufactured a default and now threatens foreclosure of my XXXX family home. THE FABRICATED SHORTAGE : In XXXX 2016, my escrow account balance was {$2300.00}. On XXXX XXXX, 2016, Shellpoint made a tax disbursement of {$2300.00}. The mathematical result was a {$20.00} actual shortfall. However, in XXXX 2017, Shellpoint reported an escrow balance of NEGATIVE XXXX XXXXcreating an unexplained {$2800.00} fabricated shortage. This represents a 13,560 % inflation of the actual {$20.00} shortfall. There is NO documented disbursement, borrower deficit, or lawful escrow adjustment to account for this {$2800.00} discrepancy. Shellpoint then spread this fabricated shortage across 12 monthly payments under 12 C.F.R. 1024.17, increasing my payment by approximately {$230.00} per month. This manufactured payment increase rendered a previously affordable mortgage unaffordable. COMPOUNDING HARM : The fabricated shortage triggered a cascade of late fees and suspense account misapplications. In Shellpoint 's own Proof of Claim filed XX/XX/XXXX2026 in my bankruptcy case ( No. XXXX, XXXX, XXXX. Md. ), they claim : Escrow deficiency / funds advanced : {$45000.00} Total pre-petition escrow claim : {$49000.00} Annual escrow disbursements ( taxes + insurance ) : {$10000.00} Pre-petition arrearage ( total ) : {$140000.00} A {$45000.00} escrow deficiency on an account with {$10000.00} annual disbursements represents XXXX YEARS of total escrow obligationsa mathematical impossibility absent fabrication, improper force-placed insurance, or other unlawful additions. FORCE-PLACED INSURANCE ABUSE : The deficiency 's size suggests Shellpoint imposed XXXX insurance at inflated premiums without proper notice, in violation of 12 C.F.R. 1024.37. To date, Shellpoint has NEVER provided any explanation for the $ XXXX gap between documented annual disbursements and the claimed escrow deficiency. URGENT : On XX/XX/XXXX, I sent a Qualified Written Request and Notice of Error demanding a complete, line-by-line escrow accounting from origination to present. Shellpoint 's XXXX response deadline expires approximately XX/XX/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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I reported my American Express card as lost and received a replacement card. Despite this, XXXX XXXX XXXX was able to charge my account {$140.00} for a recurring payment in. I had already verbally cancelled the storage unit and moved out my belongings before the end of the previous month. American Express should not have allowed any charges on the old card number after I reported it lost. This is an unauthorized charge on a reported-lost card. I have already disputed it with the merchant and requested a refund from Amex, but they refuse to refund it and are forcing me to fight the merchant instead even its their liability for letting a cancel card still be active for charges. I am requesting a full refund of the {$140.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Subject : Unreasonable Account Lockout and Denial of Alternative Verification for XXXX Customer I am a U.S. citizen currently residing long-term overseas in XXXX and XXXX. I am filing this formal complaint against Wells Fargo for completely blocking my digital online access and failing to provide a reasonable, compliant verification pathway for overseas clients, effectively holding my funds hostage. What Happened : My online banking web access was completely XXXX due to what Wells Fargo flagged as a " perceived fraud alert. '' This alert was triggered solely by my legitimate, authorized international use of my Wells Fargo card across different countries. The Problem with the Company 's Response : I immediately called the Wells Fargo International Fraud Department to resolve this issue and substantiate my identity. I answered security questions and confirmed that the international transactions were entirely my own. However, the customer service agents refused to lift the lock on my digital portal. Instead, the representatives stated that the " only way '' to re-enable my online access is to physically step into a Wells Fargo branch in the United States. Why this is Unreasonable & Discriminatory : As an expatriate living in XXXX XXXX, demanding that a client purchase a multi-thousand-dollar international flight and take a multi-day trip just to complete an administrative identity unlock at a physical desk is a severe, unreasonable barrier to consumer asset access. Wells Fargo is effectively cutting off my access to my own money and account management without offering standard, modern alternative verification channels. Desired Resolution : I request that Wells Fargo 's Executive Resolution or Loss Prevention Management contact me directly via my verified email or telephone to initiate alternative identity verification. I am fully prepared to undergo security protocols that do not require physical travel, such as : 1. Conducting a secure video call verification matching my face to my U.S. Passport. 2. Completing a Notarized Identity Verification Form signed in front of a consular officer at the XXXX XXXX in XXXX and couriered securely to Wells Fargo. 3. Using a secure digital verification link ( e.g., ID.me or DocuSign ) to confirm my identity. If Wells Fargo completely refuses to provide an online banking alternative for overseas citizens, I require them to process an immediate phone-authorized wire transfer or issue a cashier 's check to liquidate and transfer my entire balance to my verified local account.

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type DEBT BUYER Balance {$1700.00} Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$1700.00} Original Creditor DESTINY FIRST ELECTRONIC BANK ( Financial ) Past Due {$1700.00} Pay Status >In Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks ACCT INFO DISPUTED BY CONSUMR Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX XXXX XXXX INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Remarks ; Rating ; Payment Received ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX This account was opened while I was actively living and working in XXXX. It was opened by someone in XXXX and mailed to my exes home. It was ordered over the phone and a male gave out my info then maxed the card out and never paid it off. I did not open this account, it needs to be deleted from my credit file. It is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hundreds of US dollars were fraudulently deducted from my multiple payment cards through PayPal. I have reached out to PayPal customer service but never received any response. The fraudster stole my card information and linked it to his own PayPal account to make unauthorized purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX I was targeted by salespeople operating under the merchant name XXXX XXXX XXXX XXXX at XXXX XXXX. The salespeople utilized extreme high-pressure sales tactics and isolation methods to trap me during transit. They made explicit, verbal, fraudulent claims regarding the XXXX XXXX to induce a transaction of {$9400.00} ( one time AMEX charge ). The merchant intentionally rushed the process so I would not miss my flight, actively concealed their strict 'No Refunds ' policy, and did not allow me to read the digital screen or paper contract prior to charging my card. The generic products provided do not match the verbal claims made by the merchant, and my signature was obtained under duress and fraudulent inducement. This merchant is a well-documented predatory tourist scam operating multiple identical operations across travel hubs. From the very beginning there was an intention to defraud me. The " before pictures '' taken by seller was my left laugh line and right forehead, which has deeper wrinkles. The pictures taken were flipped so i would think that when comparing subsequently, there would be improvement upon using the products they sold me. But really there were no changes. They applied the products during the demo on my right laugh line and left forehead. The products do not work at all. I filed a dispute with AMEX, but since the merchant provided the signed paperwork that I signed under duress and false claims, AMEX sided with the merchant. The merchant has the signed paperwork, I only have verbal ones. If I could get airport security videos as proof, I would, but how can I get that?!?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: Guild Holdings Company
State: MO

Complaint narrative:
Sought Guild Mortgage to acquire a house for personal, family and household purposes. Original wet ink Note is required to foreclose. Guild Mortgage intentionally destroyed original note. I communicated on XXXX XXXX XXXX of the full satisfaction of the debt, having tendered a promissory note having cash value equivalent to money. I requested inspection of the original note XXXX XXXX XXXX along with evidence of the loan of money Guild Mortgage claimed give to me. Guild Mortgage has failed to comply with request in over 300 days. Guild Mortgage did not give any consideration to constitute a valid contract. Guild Mortgage requested payment in a particular currency against public policy and assessed taxes against the law. The Deed of Trust was revoked for lack of intent to create a trust, noticed the trustee and placed it on the public record. The trustees forged another trust. XXXXXXXX XXXX XXXX has harassed and abused me by extortionate means to collect consumer credit transaction without standing.

Company response to consumer: Closed with explanation