vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I submitted a check as a representative payee for my child 's XXXX check with Capital One. They originally held it for XXXX business day then emailed that they are now holding for XXXX days. I called XXXX they were unable/refused XXXX give the reason for the extended hold. I offered XXXX provide her XXXX award letter, documentation that I am the representative XXXX, partial hold or that the check be refunded to the XXXX XXXX. They stated they will be holding for XXXX days XXXX " verify '' the check. The check has processed as it is in my account but not available for me XXXX use. I called back, I requested XXXX have the reason for the hold in writing and asked for the exception reason for the XXXX regulation XXXX again they refused. I, again, offered documentation verifying the funds are for my daughter 's XXXX, documentation that I am indeed her parent, documentation verifying that I am her representative payee XXXX all was denied. I asked for the call to be escalated and it was initially refused, after XXXX attempts it was escalated and they were unable XXXX help. I requested another escalation XXXX it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax regarding inaccurate XXXX inconsistent reporting. I disputed an account reported by XXXX XXXX XXXX. Equifax responded that the account was verified as accurate, yet they also indicated that certain fields, such as payment information, were modified. If the account required modification, this raises concerns about its accuracy XXXX consistency. Under the FCRA, credit reporting agencies are required XXXX ensure maximum possible accuracy. Reporting an account as verified while simultaneously modifying key details suggests that the information XXXX not have been fully accurate at the time of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint against Wells Fargo for failure XXXX comply with the Electronic Fund Transfer Act ( XXXX XXXX ), improper denial of claims, XXXX unfair XXXX abusive practices. I experienced repeated unauthorized debits from a merchant. Upon discovering the issue, I promptly requested stop payments through Wells Fargo. Despite these requests, the merchant continued XXXX debit my account XXXX times. I also revoked authorization directly with the merchant, making any subsequent debits unauthorized electronic fund transfers under federal law. However, Wells Fargo failed XXXX effectively implement the stop payment orders XXXX allowed these transactions XXXX continue. As a result, I was forced XXXX file multiple claims XXXX recover my funds. Many of these claims were denied on the basis that it was too late XXXX dispute the transactions, even though they were well within the applicable timeframe under XXXX XXXX. XXXX XXXX failure XXXX enforce stop payment instructions directly caused these repeated unauthorized transactions XXXX financial harm. Instead of correcting the issue, Wells Fargo is now closing my business accounts XXXX terminating the relationship, citing excessive claims. The claims were a direct result of XXXX XXXX operational failure XXXX block unauthorized debits. Closing my account under these circumstances is retaliatory XXXX further compounds the harm. This conduct constitutes : Failure XXXX comply with XXXX XXXX error resolution requirements Improper denial of valid disputes within the statutory timeframe Failure XXXX block unauthorized electronic fund transfers after notice Unfair XXXX abusive practices under federal consumer protection standards Wells Fargo should not be allowed XXXX benefit from its own failure XXXX properly process stop payment requests XXXX protect customer accounts.

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 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
Steering me away from XXXX & failing to apply XXXX XXXX XXXX XXXX ( XXXX ) or other forgiveness programs

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: CO

Complaint narrative:
I am formally disputing a {$200.00} charge originating from XXXX XXXX ( formerly XXXX XXXX ), managed by XXXX Real Estate, and currently held by ProCollect. This debt is legally invalid due to several procedural and statutory failures. XXXX. Failure of Proper Notice ( FDCPA Violation ) : The creditor and collection agency failed to provide a validation notice to my current address. Despite having my permanent forwarding address on record from my lease and move-out paperwork, all correspondence was sent to the vacated premises at XXXX XXXX XXXX This deprived me of my XXXX right to dispute the debt before it was reported to my credit profile. XXXX. XXXX XXXX of XXXX : Under Georgia Code XXXX. XXXX, a landlord must compile and sign a comprehensive damage list within XXXX business days of move-out. XXXX XXXX failed to meet this mandatory deadline, thereby forfeiting their legal right to retain a security deposit or charge for damages. XXXX. Ordinary Wear and Tear : The majority of the balance ( {$170.00} ) is for a " loose door handle. '' Under Georgia law, tenants can not be charged for ordinary wear and tear. A loose handle on a high-traffic residential door is a standard maintenance item and does not constitute damage caused by the tenant. XXXX. Predatory Payment Demands : The collection agency, ProCollect, has refused to accept secure, traceable payment methods ( Credit Card ) and is instead demanding payment via XXXX. This is a deceptive and high-risk practice intended to bypass consumer protections and the right to a dispute/chargeback. Requested Resolution : I request that XXXX Real Estate Recall the Debt from ProCollect immediately and update my resident ledger to a {$0.00} balance. I have offered to pay the property directly to settle this amicably, but they have failed to facilitate a secure payment method or correct their statutory filing errors.

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 2026-04-02 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I reported the fraudulent charge XXXX XXXX, XXXX. They reversed the charges. The sent me a new card. But the charge appeared on my new card. They told me they did an investigation. I had to pay the XXXX charge. The company was for XXXX, XXXX, CA. Charged XX/XX/XXXX. {$290.00} Resolved XX/XX/XXXX. {$290.00} Charged again XX/XX/XXXX. {$330.00} Im being charged late fees, and my credit is getting ruined, its been going on since XX/XX/XXXX til now. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
This complaint is about XXXX XXXX/Comerica bank . I receive my XXXX benefits on their prepaid card. For the life of me I don't understand why the class action was closed. They clearly equate having a XXXX with having a low IQ. Thus, they see us as an easy target with the inability to stand up for ourselves. This institution prevented me from purchasing orthopedic shoes for my diabetic neuropathy. XXXX ( which XXXX XXXX advertises on their app ) canceled my order XXXX times because they wouldn't authorize it. Still, I gave them the benefit of the doubt and blamed it on the retailer. But then these fools refused to authorize my utility payment with XXXX XXXX utility district which I must pay every other month for obvious reasons. I will include a screenshot. They also charge XXXX dollars for a replacement card. Wait until the last minute to mail it out so that you are forced to reorder it. Then they charge another XXXX dollars as well as an additional XXXX dollars for expedited service. I've ordered enough cards over the years to see that this is a scam. Im also still waiting for a refund from a XXXX Purchase that was reversed by the retailer. Why the government is allowing this ill never know. Withdrawing the class action has emboldened them. Now they feel untouchable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: IN

Complaint narrative:
I received a letter via mail supposedly from United Wholesale Mortgage that my home warranty is expiring. My mortgage used to be with UWM but it transferred to XXXX Bank a couple years ago. There's no email or website on the letter, only a phone number to call : XXXX I believe this is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following accounts are being reported by XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts appear to be related to a debt that was previously reported by another company and later removed from my credit report. Despite prior deletion, similar accounts with the same amounts are now being reported under different company names. This raises concerns regarding accuracy, duplication, and compliance with Fair Credit Reporting Act. I do not recognize these accounts and have not been provided with sufficient verification that these debts are accurate or legally enforceable. Under FCRA, you are required to ensure maximum possible accuracy of all information reported. I am requesting a full investigation of these accounts. If these accounts can not be properly verified, they must be deleted from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
on XX/XX/year> I noticed my information on my account didn't update after I made a payment. I questioned them and they said because I made a payment using a different bank account that they think it's fraud. I assured them that it was me. They asked for a bank statement. I emailed them the statement. I have checked back with them several times and they keep saying they never received it. After speaking with them today, I verified EVERYTHING and resent another copy. I owe them nothing since I have paid off the credit card. I have made two payments to them using the same bank account number and they still will not un-restrict my account. I asked them how long after I sent the second time and they said it could take up to another 5 to 10 business day because they're not sure if my bank cleared the $ $ yet my statement from Revvi credit card shows I owe them nothing. Please help.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
The bank has placed a XXXX XXXX ' hold without providing a specific, fact-based reason as required by XXXX CFR XXXX ( XXXX ). They refused to verify funds with the issuing bank and refused to provide a written Notice of Exception upon request in-person.

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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: CT

Complaint narrative:
I received a notice of debt collection from National Recovery Agency ( NRA ) on XX/XX/XXXX for an alleged debt that I believe to be non-existent. The alleged debt is from a company in North Carolina for the amount of {$13.00} and is stated on the notice to have occurred on XX/XX/XXXX On XX/XX/XXXX I called NRA to request written validation of the alleged debt, the first person I spoke with, a lady called XXXX, refused to process my request for a written validation of the debt, or to provide a verbal validation, and then placed me on hold for XXXX mins. When she picked up again she simply talked over me and then hung up. I called back and was connected with another NRA agent who told me that they would not provide validation of the debt and again hung up on me. Outside of the unprofessional behavior of NRA XXXX agents there are XXXX issues at hand : ( XXXX ) attempting to collect debts outside of the North Carolina statute of limitations, which is XXXX years and ( XXXX ) failure to provide written, or verbal, validation of a debt that they are endeavoring to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Subject : FORMAL CEASE AND DESIST TELEPHONE CONTACT To Whom It May Concern, I am issuing a FORMAL CEASE AND DESIST regarding all telephone contact from Advance America concerning my account. I have already contacted your company and spoke with a representative, XXXX, who confirmed that my payment has been successfully rescheduled and is reflected in your system. Despite this, I was informed that I may still continue to receive phone calls. THIS IS UNACCEPTABLE. UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), I AM EXERCISING MY RIGHT TO DEMAND THAT ALL TELEPHONE COMMUNICATION CEASE IMMEDIATELY. There is no legitimate reason for continued calls when a payment arrangement is already in place and confirmed. Continuing to contact me by phone under these circumstances is excessive, unnecessary, and constitutes harassment. YOU ARE HEREBY DIRECTED TO CEASE ALL TELEPHONE CONTACT WITH ME EFFECTIVE IMMEDIATELY. ALL FUTURE COMMUNICATION MUST BE CONDUCTED IN WRITING ONLY. Any further phone calls after receipt of this notice will be documented and may be included in formal complaints submitted to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other applicable regulatory authorities. This is your final notice to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. I have never knowingly opened, authorized, or used any of the accounts currently being reported under my name through XXXX XXXX XXXX, XXXX and LexisNexis Risk Solutions. There are multiple fraudulent accounts and activities tied to my identity, including bank accounts, telecommunications accounts, and check activity that I do not recognize. Unauthorized Bank Accounts : XXXX XXXX reported in XXXX XXXX XXXX reported in XXXX XXXX XXXX reported in XXXX XXXX XXXX XXXX reported in XXXX These accounts also show check deposits and returned checks. I have no knowledge of these transactions. I have never opened or used accounts with these institutions, nor have I deposited or written any checks associated with them. Unauthorized Telecommunications Accounts : XXXX XXXX XXXX with XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX unknown dates XXXX around XXXX Sprint unauthorized account activity I have never lived at or authorized any services at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in connection with a XXXX account or any other provider. Unauthorized Credit Account : XXXX XXXX XXXX reported around XXXX or XXXX of XXXX or XXXX I did not open or authorize this account. All of these accounts and activities are fraudulent and the result of identity theft. I have never had legitimate banking relationships, telecommunications accounts, or credit accounts associated with these institutions. Despite this, this inaccurate and harmful information continues to be reported through XXXX XXXX XXXX and LexisNexis Risk Solutions, causing me financial harm, denial of services, and ongoing distress. I formally dispute all accounts, transactions, addresses, and inquiries associated with this fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( NELNET ) loan amount {$79000.00}. XXXX XXXX- APPLICATION SUBMITTTED on XXXX CFPB- Consumer Financial Protection Bureau complaint # ( XXXX ) on XX/XX/year> Complains has been open for a total of 3 years with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: IL

Complaint narrative:
Some hacked my Cash App and transfer money to there account which was not me they took XXXX and for Cash App to deny XXXX Upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. I have never knowingly opened, authorized, or used any of the accounts currently being reported under my name through XXXX XXXX XXXX, Cheksystems and XXXX XXXX XXXX. There are multiple fraudulent accounts and activities tied to my identity, including bank accounts, telecommunications accounts, and check activity that I do not recognize. Unauthorized Bank Accounts : XXXX XXXX reported in XXXX XXXX XXXX reported in XXXX XXXX XXXX reported in XXXX XXXX XXXX XXXX reported in XXXX These accounts also show check deposits and returned checks. I have no knowledge of these transactions. I have never opened or used accounts with these institutions, nor have I deposited or written any checks associated with them. Unauthorized Telecommunications Accounts : XXXX XXXX XXXX with XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX unknown dates XXXXXXXX around XXXX Sprint unauthorized account activity I have never lived at or authorized any services at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX with a XXXX account or any other provider. Unauthorized Credit Account : XXXX XXXX XXXX reported around XXXX or XXXX of XXXX or XXXX I did not open or authorize this account. All of these accounts and activities are fraudulent and the result of identity theft. I have never had legitimate banking relationships, telecommunications accounts, or credit accounts associated with these institutions. Despite this, this inaccurate and harmful information continues to be reported through XXXX XXXX XXXX and XXXX XXXX XXXX, causing me financial harm, denial of services, and ongoing distress. I formally dispute all accounts, transactions, addresses, and inquiries associated with this fraudulent.

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