vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
This complaint concerns an alleged rental debt that I do not owe. I was a tenant XXXX XXXX XXXX XXXX ( XXXX XXXX ) in XXXX, Virginia until XX/XX/year>. Upon moving out, I requested a joint move-out inspection, but this request was refused by the property management. As a result, I was not given the opportunity to be present during the evaluation of the apartments condition. Immediately before returning the keys, I took timestamped photographs of the unit, including the flooring, which clearly show that the apartment was left in very good condition. I provided these photos to the property management. Despite this, the property later claimed significant flooring damage and charged me for full replacement. They also withheld my security deposit. At one point, they offered to " split '' the cost, which indicates that the claim was not definitive. I formally disputed this charge multiple times via email and clearly stated that I do not accept responsibility for the flooring damage. However, without resolving the dispute or providing sufficient proof, the account was referred to a debt collection agency. I believe this is an improper attempt to collect a debt that is not owed, especially given that : - The debt was disputed prior to being sent to collections - No move-out inspection was conducted - I was not given a fair opportunity to review or contest the alleged damages - I provided photographic evidence supporting my position I request that this matter be investigated, that the debt be properly validated, and that any improper collection activity be stopped. This situation has caused significant stress and concern due to the potential impact on my credit. I respectfully request a fair resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I am filing this complaint against TD Bank as the furnisher of inaccurate credit data for a Target/TD account ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) appearing on my XXXX and XXXX credit reports. I mailed written disputes to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX citing specific inaccuracies in TD Bank 's reported data. Both bureaus returned verified responses, indicating TD Bank confirmed the data as accurate. However, my XXXX credit report dated XX/XX/XXXX shows TD Bank is furnishing contradictory data to different bureaus for the same account : Bureau XXXX XXXX XXXX late XXXX day late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not reported not reported not reported Source : XXXX XXXX report dated XX/XX/XXXX This is a {$400.00} credit limit card opened in XX/XX/XXXX. TD Bank is reporting 23 months of XXXX day delinquency to XXXX while reporting XXXX late payments to TransUnion for the identical account. These figures are irreconcilable, and TD Bank confirmed them as accurate through XXXX bureau dispute cycles. As furnisher, TD Bank is obligated under 15 U.S.C. 1681s-2 ( b ) to correct inaccurate data it has not done so. Additionally, TD Bank is reporting conflicting closure information : XXXX shows this account closed on XX/XX/XXXX while XXXX shows no closed date. This account also does not appear on my XXXX credit report at all. I request that the CFPB investigate TD Bank 's data furnishing practices for this account and require TD Bank to correct or delete the inaccurate tradeline from all bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to IQ DATA INTERNATIONAL INC. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving IQ DATA INTERNATIONAL INC owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect IQ DATA INTERNATIONAL INC to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo accepted an overpayment on a credit card of approximately {$3300.00}. They have since refused to refund this money. Initially I called and they said they had initiated a direct deposit transfer refund back the original account, but that never came through. When I called back, the representative said that this transfer had not been initiated. They said they would send a check Weeks later there has been no check sent, and the representative said it may take XXXX weeks. Wells Fargo representatives are both lying on the phone and confirming refunds have been issued when they have not been issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, while I was outside the U.S., my identity was falsified, and an individual made a withdrawal at XXXX XXXXassisted by bank officer from checking account ; the sum of {$42000.00} was withdrawn in cash. They did not comply with the safety and verification rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NM

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. SUNRISECRED is a debt collector. They are falsely reporting on my credit!! 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. Ended up paying but they are still trying to contact me through email and phone calls. I demand that this account be removed from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and improper account handling by BMW Financial Services ( Account No. XXXX ). A payment in the amount of {$410.00} was properly received and credited to my account on XX/XX/XXXX. However, on XX/XX/XXXX, BMW Financial Services reversed this payment and reported it as a returned item, adding the amount back to my account along with a fee. After contacting BMW Financial Services, I was informed that this reversal resulted from an internal processing error involving a batch of checks that were inadvertently mailed back. I was explicitly told that this error was on BMWs end and not caused by me or my financial institution. Despite this acknowledgment, BMW Financial Services has failed to correct my account. My account is now being reported as past due, and I have received a past-due notice attempting to collect on an amount that is not owed. As a result of this inaccurate reporting, my credit score has decreased by approximately XXXX points. I have already initiated a dispute with the consumer reporting agencies ; however, BMW Financial Services has not corrected the error and continues to report inaccurate information. This conduct appears to violate the Fair Credit Reporting Act, including the duty to report accurate information and to conduct a reasonable investigation upon notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Its against Wells Fargo bank. They charged me monthly fees as not maintaining minimum balance. When I open account the minimum balance requires {$500.00}, then they changed policy and made it {$1000.00} without informing to me. Account number 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 2026-03-17 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding PayPals handling of multiple billing disputes related to merchandise returns and return logistics. First issue ; XXXX XXXX & XXXX : {$270.00} I returned two items using the return labels provided by the seller. Tracking confirms that one item was delivered back to the seller. Tracking for the second item shows that it was dropped off by customer ( me ) and accepted by the carrier several weeks ago, but the tracking has not updated further. I followed the sellers return instructions and completed the return process in good faith. The lack of tracking updates after XXXX XXXX is outside of my control. Despite providing this information, PayPal denied or indicated potential denial of my dispute. XXXX XXXX : {$190.00} The seller stated they would take responsibility for the return shipping, however did not provide a usable return label for fragile ceramic items shipped in multiple packages. I was only given one tracking number without proper return shipping documentation. I contacted PayPal and was instructed to wait until proper return labels were provided. Despite following this guidance, PayPal later denied my dispute on the basis that the items were not returned, even though I was unable to return them due to the sellers failure to provide adequate return logistics. In both disputes, I made good-faith efforts to comply with return requirements and relied on PayPals dispute resolution processes. I believe PayPal did not adequately investigate the circumstances, including proof of shipment, delivery confirmation ( XXXX XXXX & XXXX ), and seller return process limitations ( XXXX XXXX ). I am requesting a full and fair review of both disputes and reversal of denied refund decisions where return obligations were met or could not reasonably be completed due to seller or process failures. I am still willing to return the items for XXXX XXXX, given the misguided and inconsistent directions from paypal customer service I am denied a refund and protection I expected from Paypal as my point of sale and credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My credit card denied my dispute after I inform my credit card that the signature in the pick up documents provided by the merchant was not my signature. I was charged for items that I did not receive. Account ending in XXXX Date XXXX XXXX Claim Number XXXX Amount : {$500.00} Bank of America XXXX XXXX XXXX XXXX XXXX XXXX TX 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 monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am submitting this complaint regarding a fraud incident involving my account with Wells Fargo. I was the victim of a bank impersonation scam on XX/XX/year>, at approximately XXXX XXXX, where an individual contacted me posing as Wells Fargos fraud prevention department. The caller spoofed Wells Fargos official phone number, causing the call to appear legitimate. During the call, I was told there was suspicious activity on my account and that I needed to take immediate action to protect my funds. Relying on what I reasonably believed to be legitimate instructions from Wells Fargo, I was directed to send money via XXXX XXXX to secure my account. As a result, I transferred approximately {$4600.00}. Shortly after the call, I became concerned and, after speaking with my husband, contacted Wells Fargo directly within approximately XXXX minutes. At that time, I was informed that the caller was not affiliated with Wells Fargo and that I had been the victim of a scam. I immediately filed a fraud claim, and my accounts were closed and replaced. I also took additional protective steps, including filing a police report with XXXX County Police and placing a credit freeze with Experian due to concerns about my personal information being compromised. Following the initial incident, the individual attempted to contact me XXXX additional times, continuing to spoof phone numbers associated with both Wells Fargo and XXXX XXXX XXXX XXXX, further demonstrating a deliberate impersonation scheme.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
Tuesday XX/XX/XXXX, I contacted XXXX XXXX XXXX in which I have a credit card, my current employer failed to pay my salary for almost 3 weeks in XXXX of XXXX, the company was aware but did not offer help in fact in XXXX of XXXX within 15 days of missed payment my account was closed, I was always on time I paid extra even I was issued a credit limit increase to XXXX from XXXX. In XXXX of XXXX they issued my account a credit limit increase that was a little over a month after they closed the account. I was not notified of the credit limit increase nor did I approve it again my account had already been closed, I was not even close to being 30 days late when they closed the account. This specific card is managed by a company who manages another card called imagine, again same results issued credit limit increase after account was closed again I was not notified of anything. No help was offered and the missed payments was not due to my neglect I am currently catching up on everything I fell behind on and I have saved 4 of my accounts, again the missed payments were due to my employer failing to pay my salary in which I received a paycheck of XXXX dollars the first week XXXX dollars the second week and a check for XXXX dollars and another for XXXX dollars, that was not enough to cover just eating expenses in my line of work, my pay is based on salary and a few other things, my salary is XXXX plus the extras. The month of XXXX my salary was failed to be paid to me and when addressed it was ignored at first long story short I did not recieve my missed salary until XXXX and XXXX weeks later every account I had including my vehicle payment fell behind all accounts doubled due to late fees and payment returned fees. As of XX/XX/XXXX I have still not recovered. I do not think it is fair I be punished for something that was beyond my control mind you all accounts were on time never missed I even paid extra on certain accounts but XXXX and my employers neglect I lost pretty much all I had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc.
State: TX

Complaint narrative:
The payment in question relates to the billing cycle for XX/XX/2025, with a due date of XX/XX/XXXX in the amount of {$1400.00}. During this period, there was a transition between banking institutions which impacted the timing and processing of scheduled payments. As a result, the expected payment method did not process as intended. Once the issue was identified in XX/XX/2025, immediate action was taken to resolve the matter. The outstanding payment for XX/XX/2025 was promptly submitted and processed on XX/XX/2025, and the subsequent payment for XX/XX/XXXX in the amount of {$1400.00} was also completed on time. Historically, payments on this account have been made consistently and on time, reflecting a strong and reliable payment pattern. This situation was isolated and occurred during a period of account transition, not due to an ongoing inability or unwillingness to meet payment obligations. Since resolving the matter, all payments have continued to be made as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
- In XXXX, I received a letter of exchange from Planet Home Lending to PHH Mortgage Company. - When I attempted to make my XXXX mortgage payment, I was quoted an incorrect total due to a supposed loan modification starting in XX/XX/year>. - The modification was in effect when I made my XX/XX/year> payment at the new amount. - The lender requested a few weeks to process the modification. Despite checking the website and calling multiple times, I was told to wait until the process was complete. - On XX/XX/year>, I contacted customer service again. The representative said I couldn't make a payment because the amount needed adjustment to match the loan modification documents and promised the website would be updated once the adjustment was done. - Still on XX/XX/year>, I inquired again about making a payment and was advised I couldnt proceed until the loan modification was finalized. - On XX/XX/year>, I spoke to a representative to express our intention to pay. We were placed on hold and unable to complete payment via phone or the website, effectively blocked from making any payments. - On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I spoke with customer service representatives and received consistent answers. - In XXXX, I received a collection notice by mail from the law office without any prior communication regarding the loan modification, payment status, late payments, or other updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
FMS Financial Solutions reported an inaccurate balance of {$4600.00} on my credit report. This amount included a {$1500.00} lease termination fee that was later determined to be invalid and removed by the original creditor. The corrected balance was {$3000.00}, and I settled the account for {$2400.00}, which I paid on XX/XX/2026. I have documentation confirming both the removal of the fee and the settlement payment. I disputed this account with the credit bureaus, but FMS Financial Solutions verified the account as accurate despite the known inaccuracy. I also requested validation and an explanation of how the account was verified, but the issue has not been properly resolved. By continuing to report this incorrect balance and verifying inaccurate information, FMS Financial Solutions is failing to conduct a reasonable investigation and is reporting inaccurate information. I am requesting deletion of this account from all credit reporting agencies due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FourLeaf Federal Credit Union
State: SC

Complaint narrative:
I just want my name removed from my sons XXXX XXXX XXXX accounts. I've spoken to about XXXX different people who give me all different answers. Each time I have been assured that it will be taken care of. Now they want me to fill out membership cards and something else that needs to be notarized by me and my son. Well I live in XXXX XXXX and he lives in XXXX XXXX. I sent them the required form ( Voluntary removal ) and identification that should be enough. I also want all my accounts closed.

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