vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An incorrect late payment has been applied to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
On XX/XX/year>, XX/XX/year>, a XXXX XXXX called, my ex wife, my employer, and my current spouse. Threaned legal action and threaded to seize property in my name. He also discussed the debt and how much the debt was for to my ex wife, my employer, and my current spouse. XXXX did disclose this debt is for Credit Fresh for the amount of {$5900.00} that I have no recollection of. XXXX also did not disclose what firm or company he was with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: DC

Complaint narrative:
I opened an account with US Bank. After opening it I decided I did not want the account because their website is terrible. I have called three times asking to close the account. Each time the phone representative has read a statement that they are closing the account, but the account is still open. I just want to know what I have to do to close the account. There are no pending transactions.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: LA

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a credit card from wells Fargo that I have no knowledge about. I have never opened a card this bank. It reports on my credit report that it was opened I. XXXX of 2026. I called Wells Fargo several times but they keep putting me to different departments with no resolution. I even tried to talk to their fraud department and they said they cant do anything unless I provide them the full card number.

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 2026-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Dear Navy Federal Credit Union Mortgage Assistance Department, This correspondence serves as a formal follow-up to my prior communication submitted on Friday, XX/XX/XXXX, regarding the status of my mortgage assistance application, Confirmation # XXXX. It has come to my attention that correspondence related to my application was directed to an address not associated with my account profile, which raises immediate concerns regarding the proper handling of my file. I am formally disputing the assertion that a short sale represents my sole available resolution option. During a conversation with a Navy Federal representative in the first week of XX/XX/year> the week in which my application was due I was explicitly informed that mortgage forbearance remained available to me, with up to twelve months of assistance eligible under my account. To date, I have utilized only six months of said assistance. I am therefore formally requesting a written explanation as to why this option is no longer being presented, given that it was confirmed as available and applicable to my mortgage at that time. Furthermore, I am formally documenting my assertion that credible information has been brought to my attention suggesting that my application was intentionally delayed in a manner designed to cause adverse financial consequences, including negative impacts to my credit profile. Should this be substantiated, such conduct may constitute actionable misconduct. I am also noting for the record that my mortgage assistance eligibility period commenced in XXXX, with the last effective assistance applied in XXXX. By my calculation, a minimum of three additional months of assistance should remain available under my account. I am requesting immediate written clarification and reinstatement of all available options. The pattern of conduct I have experienced including misdirected communications, misrepresentation of available options, unexplained reversals of previously confirmed remedies, and perceived deliberate delays raises serious concerns consistent with discriminatory mortgage lending and servicing practices under the Fair Housing Act ( 42 U.S.C. 3605 ) and the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This debt collection company is reporting a medical collection account on my credit report that I do not owe. I dispute this debt because I have no knowledge of this medical bill and I have not received proper documentation proving that I am legally responsible for it. Despite this, the company has placed the account in collections and is reporting it to the credit reporting agencies. Reporting a medical debt that has not been properly verified is inaccurate and misleading and is negatively affecting my credit profile. I have not been provided with any documentation showing the original medical provider, proof that the services were rendered to me, or proof that I am responsible for this balance. Without proper validation, this account should not be reported as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
The balance on my last statement- XX/XX/year>- was {$25.00}. Payment was due XX/XX/XXXX. On XX/XX/XXXX my account was credited {$25.00} On XX/XX/XXXX my account was credited {$0.00}. Thus, by XX/XX/XXXX the previous balance was paid in full, with a balance due of {$0.00}. Yet, on XX/XX/XXXX, the bank sent me an email stating " Payment Not Received by Due Date ''. This is WRONG. The bank intentionally did this so that it can ILLEGALLY add late fees and interest.

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 2026-03-12 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: Chime Financial Inc
State: LA

Complaint narrative:
I was notified about my account closure on my Chime account. I messaged the in app chat on XX/XX/XXXX. They informed me to contact their customer service number of XXXX for more information. I proceeded to call on XX/XX/XXXX. The agent said they could not stop the closure due to their policy that I failed to comply. I asked which policy was that and he said he did not have that information and for me to look at their code of conduct. I asked for a supervisor to explain it more to me because that did not give me any type of reasoning. The supervisor said the same thing the first agent said. I called again on XX/XX/XXXX to speak to another agent. They gave me the same script. To look at their code of conduct. Their code of conduct link does not work and provided no clarity on why my account is closing. This is not how a business should be ran and I would like answers. I would like for my account to stay open since some of my friends prefer using Chime

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 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: Block, Inc.
State: FL

Complaint narrative:
My Square account was closed by the company more than XXXX months ago. At the time the account was closed, there was approximately {$7000.00} remaining in my balance. According to Squares own policy, when an account is closed the remaining funds are supposed to be released after a holding period of 90 days. However, it has now been well over XXXX months and my funds have still not been released. I have contacted Square customer support multiple times asking for an explanation and a timeline for the release of my funds, but I have not received a clear answer or resolution. I am filing this complaint because the company continues to hold my money far beyond the XXXX period stated in their policy, and I need a clear timeline for when my funds will be returned. I respectfully request that Square release my remaining balance immediately or provide a clear explanation and date for when the funds will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I recently checked my credit report and noticed a jewelry account/collection listed that I did not open and did not authorize. I have never made a purchase with this company and have no knowledge of this account. This account is inaccurate and is negatively affecting my credit. I am requesting that the company provide proof that this debt belongs to me or remove the account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Clearview Resolution Services
State: TX

Complaint narrative:
Said I owed from XXXX, they threatened to take me to court. Contacting family members. Threatening to come to my job. Name of agency is not on credit report

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I am disputing the denial of XXXX reward points for a {$3000.00} purchase made on XX/XX/year>. The merchant ( XXXX XXXX ) was used as a processor for a business service. The bank processed the charge as a 'Purchase ' and collected interchange fees. However, the company is refusing to grant points, falsely claiming it was a 'financial service ' based on an automated merchant code. I have made XXXX attempts to resolve this with their support, but they refuse to manually review the transaction data which proves it was not a cash-like exclusion. It was a purchase and it was processed by bilt as purchase and the made the transaction fee from the merchant but didn't honor the purchase XXXX points to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account XX/XX/year> I find out my account was closed XX/XX/year> no reason was given they said it was for fraudulent activity but I literally just opened the account it was no transactions on the account or anything I got no notice and my payroll was going to that account this Friday XX/XX/year> Now I have to wait another XXXX weeks because the account my payroll is going to is closed and my job said they cant stop the transfer because it was already initiated. I feel like this is because XXXX XXXX or something because its no way I opened an account that was closed with no warning. It wasnt anything fraudulent on the account because I literally was waiting for my card.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I previously disputed an auto loan account reported by United Auto Credit Corporation through the credit bureau. The dispute was marked as resolved very quickly, but the inaccurate information remains on my credit report. The account is being reported with loan terms listed as 1 month, which does not reflect the structure of a typical auto loan. Additionally, the reported balance, charge-off amount, and original loan balance do not clearly reconcile. This account also resulted from a vehicle repossession. Because the vehicle was repossessed and presumably sold, the remaining balance should reflect a proper accounting of the repossession and sale. I am requesting documentation showing the repossession accounting, including the auction or sale amount of the vehicle, how those proceeds were applied to the loan balance, and a breakdown of any fees added after repossession. I also noticed that the account appears to be repeatedly updated with charge-off or delinquency status in more recent reporting periods. This creates the appearance that the account is being refreshed or updated in a way that may make the delinquency appear more recent than the original default. I am requesting verification of the accurate Date of First Delinquency and confirmation that the reporting timeline complies with credit reporting requirements. I previously requested verification of the loan terms, balance calculation, and supporting documentation, but the account was simply marked as updated without any explanation. I am requesting a full investigation into the accuracy of the information being reported and documentation verifying the original loan agreement, the correct loan terms, the repossession accounting, the balance calculation, and the accurate date of first delinquency. If the information can not be verified as accurate, I request that the account be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Company : Santander Consumer USA Product : Auto Loan Issue : Repossession / Improper collection of collateral Complaint : I am filing this complaint regarding the repossession of my XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XX/XX/XXXX. Under Georgia law ( O.C.G.A. 11-9-609 ), a lender may only repossess a vehicle if it can be done without a breach of the peace. During the repossession, I was physically present and explicitly told the repossession agent to stop and leave my property. My objection was clear and unequivocal. Despite my verbal protest and withdrawal of consent, the repossession agent ignored my instructions and proceeded to take the vehicle. Georgia law states that once a consumer objects to the repossession while it is in progress, the agent must stop immediately. Continuing the repossession after my protest constitutes a breach of the peace and an unlawful repossession. I have a witness who was present and has provided a written statement confirming that I verbally instructed the repossession agent to stop and leave the property, but the agent continued with the repossession anyway. Because Santander Consumer USA is responsible for the actions of the repossession company they hired, they are responsible for this unlawful repossession. I have already contacted Santander Consumer USA requesting that they correct this issue. As of now, the matter has not been resolved. Desired Resolution : I am requesting that Santander Consumer USA : Return my vehicle immediately at no cost to me Reinstate my loan so I may resume regular payments Remove any repossession-related fees or negative reporting associated with this unlawful repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Date : XX/XX/year> Subject : Complaint Experian Failure to Conduct Reasonable Investigation ( XXXX XXXX XXXX ) To Whom It May Concern, I am filing a formal complaint against Experian regarding their failure to conduct a reasonable investigation into a disputed account being reported by XXXX XXXX XXXX on my credit report. Experian is currently reporting XXXX XXXX XXXX as Account Type : Debt Buyer. This confirms that XXXX XXXX XXXX is not the original creditor and that the alleged debt would have had to be transferred or sold to them. I disputed this account with Experian ( 4 times ) and requested verification that XXXX XXXX XXXX actually owns the alleged debt and has the legal authority to collect and report it. Despite my dispute, Experian responded that the account was verified and refused to remove it. However, neither Experian nor XXXX XXXX XXXX has provided any documentation proving XXXX XXXX XXXX legally purchased or was assigned this alleged debt. The following documentation has not been provided : A forward flow agreement showing the transfer of accounts A bill of sale identifying my specific account A complete chain of title from the original creditor to XXXX XXXX XXXX A copy of the original agreement with the original creditor Documentation proving XXXX XXXX XXXX has the legal authority to collect or report Under the Fair Credit Reporting Act, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Simply relying on the furnishers automated response without reviewing actual documentation does not meet the requirements of a reasonable investigation. By continuing to report this account without verifying that XXXX XXXX XXXX has the legal right to report it, Experian is allowing inaccurate and unverified information to remain on my credit file. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require Experian to : Conduct a proper investigation of this disputed account. Require XXXX XXXX XXXX to provide documentation proving legal ownership of the alleged debt. Remove the XXXX XXXX XXXX tradeline from my credit report if such documentation can not be produced. Thank you for your attention to this matter. Sincerely, XXXX XXXX Notice on documents uploaded, under account type for XXXX XXXX XXXX. 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 explanation