vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I disputed a debt being reported by Fair Collections & Outsourcing related to an alleged rental balance. The company verified the debt with credit bureaus but has failed to provide proper validation when requested directly. I specifically requested documentation showing : - Proof that I failed to give required notice - Proof of any unpaid rent - Documentation showing efforts to re-rent the unit ( duty to mitigate damages ) No such documentation has been provided. Despite this, the company continues to report the account as verified and accurate to credit bureaus. I am requesting that the company either provide full documentation validating this debt or remove the account from my credit reports.

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 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I received an initial collection notice from National Credit Systems ( NCS ) for a rental debt of {$1900.00} assigned by XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>, within the XXXX statutory window, I submitted a written validation request through the NCS online portal disputing the debt in full and requesting complete validation including : the contractual basis for the charge, itemized invoices, carpet age and depreciation, photographs, and documentation supporting full replacement rather than cleaning. I retained confirmation of submission. As of XX/XX/year> more than XXXX days later NCS has never provided validation, never responded to my dispute, and never contacted me regarding my request. Despite this, NCS reported this account to all three major credit bureaus while my validation request was pending and unresolved. This constitutes continued collection activity in violation of 15 U.S.C. 1692g ( b ). I submitted a second follow-up request which also received no response. The amount reported also changed from {$1900.00} to {$1700.00} without explanation, confirming the original amount was inaccurate. I am requesting removal of this account from all credit bureau reports and full cessation of collection activity pending proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am re-filing this complaint because Wells Fargos XX/XX/XXXX response stated that my prior complaint was being closed because I had not submitted the retail installment sales contract and all service-contract documents. I am now attaching the exact documents Wells Fargo said were required. This transaction is materially disputed for several reasons. First, the deal paperwork is inconsistent. The service-contract paperwork identifies XXXX XXXXXXXX XXXX XXXX XXXX XXXX and shows a vehicle purchase price of {$48000.00} plus a {$2900.00} service contract, while the retail installment contract identifies XXXX XXXX and reflects a financed transaction with a cash price of {$53000.00} and a total sale price of {$72000.00}, including finance charges. Second, I reported identity theft and unauthorized signature use in XXXX through Wells Fargo Auto Fraud, an FTC identity theft report, and an XXXX police report. Third, the vehicle history shows prior damage events, and the listing history shows the car was advertised around {$40000.00} shortly before sale. Fourth, the attached New York title contains a material inconsistency because it describes the vehicle body type as XXXX, even though this transaction concerns a XXXX XXXX XXXX XXXX Wells Fargos own fraud team opened a fraud case in XX/XX/XXXX. I followed up in writing in XX/XX/XXXX stating my signature was forged. Wells Fargo later responded through CFPB on XX/XX/XXXX that the contract packet had not been submitted and said a new case would be opened if the documents were provided. I am now providing those documents. I request : - a written fraud determination by Wells Fargo ; - a complete copy of the funded deal jacket and all signature-bearing documents ; - written confirmation whether any repossession order is active ; - rescission and release of the lien ; - refund of payments made if Wells Fargo determines the transaction was fraudulent ; - if Wells Fargo refuses rescission, a written proposal for lien release with no deficiency balance.

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 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: IL

Complaint narrative:
I am disputing a debt being collected by Zions Debt Holdings related to a security monitoring account. The account shows a write-off with a {$0.00} balance, but additional charges were later added without explanation. The billing history shows inconsistent charges, late fees, and an acceleration balance without proper breakdown. The monitoring agreement lists the service address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have had continuous service elsewhere for over 10 years. This raises concerns about whether the charges are accurate or valid. I requested validation of the debt, including the agreement, billing history, and proof of service location, but the company failed to provide sufficient documentation. Zions Debt Holdings is attempting to collect without proving the debt is valid or that they have proper authority.

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 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
My car was repossessed on XX/XX/XXXX. I called the XXXX lot several times to request status of the car they never answered. I called the Owner in this case Hyundai yesterday XX/XX/XXXX and wanted an update on the car. The guy was very rude when I asked him for information reference to my car. He told me its was sold at an auction. I asked him when? He said I need to get specific dates. I asked did you send me a letter with the intent to sale? He said yes, I said I never received the letter. He said oh well,, but I do have the letter of the sale of the car at an auction and its been send out today. I oh really? But why not before the sale I asked? He said oh well its gon na be send out today .. and you still have a balance that you must pay. Honestly his sarcasm and lack of professionalism was something he didnt have so honestly I hung up on him but am calling again today XX/XX/XXXX and requesting the letter of all that the guy mentioned me and see what happens.

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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
TSI debt collectors for XXXX XXXX card Loan debt from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX, I experience a declined transaction when I used by Bilt XXXX Card, issued by XXXX XXXX. On Friday, XX/XX/XXXX, I called the customer service line to ask why this occurred and the only answer that I received was that there was " a problem with my card. '' I then requested that my card be cancelled and the account closed. I was then informed that my account was " under investigation '' and that no action could be taken at that time. While were were on the phone, the following email was sent to me : Your Bilt Card, Serviced by XXXX, Support request ( XXXX ) has been updated. To add additional comments, reply to this email. Hi XXXX, Your security is our priority, so we have suspended your account while we conduct an investigation. To assist in our investigation, we need additional verification of your identity. Please send the following items in a reply to this email : * * - A current picture of you while holding * * your valid state or government-issued photo ID - Review your account and let us know if you see any unauthorized activity Once we receive the requested information, please allow up to two days for our review to be completed. Your account will remain suspended until we complete our investigation. Thank you, The XXXX Team I immediately complied with this request and sent the required photograph. I did not receive a confirmation that it was received. I sent a follow up email on Thursday XX/XX/XXXX asking for further information, given that it had been well after 48 hours. I did not receive any response. I called the customer service line again on XX/XX/XXXX. I was again informed that my account was under investigation and that no action could be taken. I requested to be connected to the fraud department, but was told that this was not possible. I asked to speak to a supervisor and, likewise was told that this was not possible. The customer service agent told me that she had escalated my concerns and that it would be resolved within a day. It is now one week later and I have not heard anything from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: OK

Complaint narrative:
I had a XXXX bill come in my mail because I had moved from Arkansas to Oklahoma and changed my tag. When I called XXXX she informed me they just needed to update my license plate and took all the fees off, Took my payment to get the account current and I even had {$40.00} on my account for future Tolls. Linebarger contracted me telling me there was a debt in their office that I needed to pay. I explained I paid XXXX and it was all current. I started receiving THREATENING messages and recordings on my phone as well as Letters in the mail. AGAIN I called them and told them to look at the CURRENT info and see that this is PAID directly to XXXX. This time the person on the phone was rude and demanding payment. She told me I had to give them my BANK INFO for proof and I had to write in a letter to them. I told her then get the records and info from XXXX and provide that. Then they would see this is a PAID debt. She was refusing and demanding payment. I have had NUMEROUS herrassing phone calls and under disghuised phone numbers. I told this lady CEASE and desist all contact and stop harrassing me I know I have rights by the FCRA.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Incident happened on XX/XX/year>2025 with charge of {$370.00} on Citi credut card for a taxi. I have disputed the charge over XX/XX/XXXX times. I was incorrectly and unknowingly charged this amount.

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 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding an unauthorized withdrawal of {$470.00} from my savings account. Without prior notice, explanation, or written communication, Bank of America withdrew {$470.00} from my savings account to cover a balance from another account. At no point was I informed that such an action would be taken, nor was I given a deadline or opportunity to resolve the matter independently before funds were removed. This situation has caused significant financial distress. The withdrawal occurred at the end of the month, leaving me without access to essential funds needed for my basic living expenses. As a result, my livelihood has been directly impacted. I have been a loyal customer of Bank of America for over nine years and have maintained multiple accounts with them, including a business account. Given my long-standing relationship, I expected a higher level of transparency, communication, and consideration before such a drastic action was taken. Additionally, I believe there were alternative options available that were not properly communicated to me. For example, the bank could have closed the account in question and allowed the balance to be handled through collections, giving me the opportunity to arrange repayment over time. Instead, the bank unilaterally chose to withdraw funds from my savings without warning. Since discovering this issue, I have attempted to resolve it directly with Bank of America. However, I have been repeatedly transferred between representatives without receiving a clear explanation or resolution. I respectfully request that this matter be investigated. I am seeking : A full explanation of why the funds were withdrawn without notice Documentation of any policy or agreement that authorizes this action Consideration for reimbursement or corrective action due to the financial hardship caused Improved communication practices to prevent this from happening to other customers Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. Sincerely 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
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This is a medical debt resulting from a billing failure. The provider submitted the claim while I had active insurance coverage, but did not complete the process after the insurer requested additional information. I was not notified prior to my insurance termination. The provider is now out of business, and the collection agency can not provide full documentation of proper billing or claim resolution. This debt is being reported as valid despite incomplete and unresolved insurance processing. The provider used to offer an option for non-insured patients to pay {$750.00} for the procedure but never offered this option and instead billed me personally for the amount of {$1300.00} that was billed to the insurance company. The billing person did not provide the requested information to the insurance company. I saw a new item from IC System on my credit report in XX/XX/year> and immediately reached out after researching who they were and their contact information. I had not received any notification or written correspondence from IC System to notify me of this claim. I spoke to two people at IC System and explained the situation about the billing issue. Ive explained this to the attorney that IC System forwarded my information to. The person at the attorneys office agreed that it sounds like I am not responsible for this debt. I didnt not hear or receive any other correspondence. but it also hasnt been removed from my credit report.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Wells Fargo Executive Resolution Team and Consumer Financial Protection Bureau : I am filing a formal complaint regarding the wrongful handling of my account, improper fee assessments, and closure of my banking services while active disputes were still unresolved. For approximately two months, my account was left at a negative balance of around {$360.00} while additional overdraft fees continued to be added. I disputed the transactions in question and those disputes remained active. Because the disputed charges were under review, continuing to assess fees and using that disputed balance as justification for account restrictions and closure is unreasonable and unfair. Despite the unresolved dispute status, Wells Fargo proceeded to close my bank account and disable my XXXX access, causing financial hardship and loss of access to essential banking services. I was also repeatedly contacted by phone during this matter rather than being provided a clear written resolution. I am demanding the following corrective action within two business days : 1. Immediate review of all disputed transactions and overdraft fees. 2. Reversal of all fees connected to disputed or unauthorized transactions. 3. Reinstatement of my checking account, if possible, or equivalent restoration of banking access. 4. Reinstatement of my XXXX access or written explanation supported by policy. 5. Written confirmation explaining why my account was closed while disputes were pending. 6. Assurance that no negative reporting related to this matter will be made while under investigation. If this matter is not resolved promptly, I will continue escalating through the CFPB, state regulators, and all available legal remedies for unfair banking practices and damages caused. I expect immediate contact from an authorized resolution specialist in writing.

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 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a debt validation letter via certified mail to Monterey Collection Services. The letter was delivered on XX/XX/XXXX ( USPS Tracking : XXXX ). As of XX/XX/XXXX I have not received any response or validation of this debt. I have never done business with Monterey Collection Services or any original creditor they represent. This account is reporting {$3100.00} on my credit report. The original balance was {$2300.00} and was opened XX/XX/XXXX. I did not open this account and this debt is not mine. Monterey has failed to validate this debt after my written request and continues to report it to the credit bureaus. This is a violation of the FDCPA. I am requesting this account be immediately removed from all credit bureaus and all collection activity cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My XXXX IRS tax refund was sent through XXXX XXXX XXXX XXXX XXXX ( XXXX ) and deposited into the wrong Chase bank account due to incorrect banking information entered during the tax preparation/refund transfer process handled by XXXX XXXX XXXX XXXX XXXX The refund was issued in early XX/XX/XXXX2026. After the deposit went into an account that did not belong to me, the receiving account owner reported the funds were not theirs and requested a reversal/return through Chase on or about XX/XX/XXXX2026. Since then, I have repeatedly contacted XXXX and XXXX XXXX XXXX Pros seeking confirmation of whether the returned funds have been received, a trace number, reversal status, and a timeline for reissuing my refund. I have not received clear or consistent answers. This error was outside of my control and has caused financial hardship. I am requesting immediate research into the location/status of my returned refund funds, accountability from all responsible parties, and prompt reissue of my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had a prior XXXX XXXX XXXX filing ( which has since been dismissed ), account servicing and payment processing were restricted. After dismissal, full account access and normal servicing functions were not properly restored, and I have been directed to a special access required system that prevents me from reviewing or independently verifying account information, payment history, or balance details. I am submitting a formal complaint regarding an auto loan account serviced by Wilshire XXXX XXXX. My account was recently charged off and placed into a deficiency status. The current balance being demanded is approximately {$8000.00}, structured as a repayment plan. Prior to this, approximately {$940.00} in late fees and interest were added to the account balance without a clear or consistent explanation. I am disputing the accuracy and validity of these charges. The account is governed by a simple interest contract, yet I have not been provided with a full itemized breakdown showing how the final balance, interest accrual, and fees were calculated. Despite requesting clarification, I have not received sufficient documentation to validate the amount owed. Additionally, I am unable to access my account online because the system now displays a message indicating special access required. This has prevented me from reviewing my account details, payment history, and balance information through standard customer access channels. As a result, I am dependent solely on the servicer or collector for account information, limiting my ability to independently verify the accuracy of the debt. I have also been informed that settlement options are not available and that repayment must occur through an installment plan based on the full balance or voluntary surrender of the vehicle. I am concerned that I am being presented with repayment terms without transparency or proper validation of how the debt amount was determined. I believe these practices may reflect a lack of proper debt validation and may involve inaccurate or unsupported charges being added to the account.

Company response to consumer: Closed with explanation