vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My Citi XXXX XXXX account currently shows a {$650.00} credit balance owed to me. After reporting the card lost, the account was frozen for security purposes. Citibank has repeatedly told me that they mailed an identity-verification letter containing a code that I must use to unlock the account. However, after more than XXXX months and over XXXX phone calls, the letter has never arrived. I have confirmed my mailing address multiple times and have repeatedly requested that the verification letter be reissued, but the problem remains unresolved. As a result, Citibank continues to hold {$650.00} of my funds without providing any alternative method for identity verification. I am requesting that Citibank either release the credit balance and issue a refund check immediately or provide a reliable alternative method to verify my identity and unlock the account so that the credit balance can be returned to

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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone committed FRAUD on my joint Capital One credit card. They made a charge for {$4200.00} with XXXX XXXX on XX/XX/year>. We reported the fraud to Capital One and also filed a police 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 — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX on behalf of Bridgecrest Credit Company LLC. XXXX Civil Code 2983.2 ( Rees-Levering Act ) requires written notice of seizure to be mailed within XXXX hours of repossession. The notice document itself shows a CREATED date of XX/XX/XXXX, however the envelope was not postmarked until XX/XX/XXXX XXXX days after repossession. I did not receive the letter until XX/XX/XXXX, XXXX days after repossession. I was never proactively contacted by the lender or repossession agency after the seizure. I only discovered my vehicle had been repossessed when I personally called the lender myself. During that call I was promised an email with documentation, that email never arrived. I have photographic evidence of both the envelope postmark dated XX/XX/XXXX and the notice document showing created XX/XX/XXXX, confirming the XXXX delay in mailing required legal notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> I noticed my checking account was low. I logged into the bank and found someone had done a money transfer for {$1500.00} on XX/XX/year> to XXXX * XXXX in XXXX, Fl. I contacted the bank and they canceled my debt card and sent me a new one. They opened a investigation and gave me a provisional credit for the {$1500.00}. Yesterday I received a letter from XXXX XXXX XXXX stating they are unable to honor my claim and on XX/XX/year> they are going to deduct the provisional credit of {$1500.00}. I've called the XXXX XXXX three times now speaking to some different each time and they all tell me the case is closed and that all they can tell me. They are mailing all the paperwork from the investigation, and I should receive it within 10 days. So, what they're telling me is that I did the transfer. They said that I had the card at the time the transfer took place, so they believe I made the transfer. I asked where the transfer from like what location, they told me they don't know. I really don't understand where they are coming from. I do know I can't afford losing {$1500.00}. The bank didn't even notify me of a large transfer. Okay so, I don't know what to do from here and that's why I'm contacting you. Any help on recovering my money will be greatly appreciated.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OpenRoad Lending
State: TN

Complaint narrative:
openroad lending created a false and misleading ad just to access my credit report and create hit to my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Dear Sir or Madam, I am writing in response to your letter regarding the alleged debt for account number [ XXXX ]. I am formally disputing this debt and request validation of the debt as required by law. Please provide the following information : Transworld systems inc. XXXX XXXX XXXX XXXX XXXX {$1800.00} Until you provide the requested verification, please cease collection efforts regarding this account. If you can not provide the required validation, I request that you remove this account from any credit reporting agencies and stop contacting me regarding this matter. All future communication regarding this issue should be made in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: TN

Complaint narrative:
They lie and give false information about refinance loans even though they have my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: LA

Complaint narrative:
Account XXXX XXXX # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc
State: AL

Complaint narrative:
KLS FINANCIAL XXXX {$180.00} I HAVE REACHED OUT TO XXXX AND OTHER CREDIT REPORTING AGENCIES TO REMOVE THIS DUE TO IDENITY THEFT

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a federal student loan borrower whose loans were serviced by Navient Solutions , LLC and have since transferred to XXXX ( Account : XXXX ). My XXXX XXXX consolidation loans ( XXXX and XXXX ), originally totaling {$70000.00}, were disbursed XX/XX/XXXX. I have been making payments since XXXX. Navient applied unauthorized forbearances and payment postponements to my account on XXXX documented occasions between XXXX and XXXX, each resulting in accrued interest being improperly capitalized into my principal balance. In every instance I was actively making regular monthly payments at the time these statuses were applied I never requested forbearance or payment postponement. The total accrued interest improperly capitalized into my principal balance is {$16000.00}. With compounding, the total estimated financial harm is {$32000.00}. My current federal loan balance is {$57000.00}. Without the improper capitalizations my estimated balance would be approximately {$25000.00}. In XXXX and XXXX I received XXXX XXXX XXXX XXXX loan repayment incentive payments totaling approximately {$37000.00}. Navient applied unauthorized capitalization events immediately following these payments, clawing back approximately {$4700.00} 15.7 % of my earned military benefit. During the XXXX pandemic I continued making payments without interruption throughout XXXX and XXXX. Despite this, Navient applied administrative payment postponement status, capitalizing an additional {$5500.00} without my consent. I have paid over {$180000.00} on {$120000.00} in original borrowing across my entire Navient portfolio and still owe approximately {$110000.00} with a projected payoff date of XXXX. All transaction data cited here was downloaded directly from the XXXX borrower portal and reflects Navient 's own records. Note : A companion complaint has been filed separately regarding my XXXX private Signature Student Loans serviced by the same entity, reflecting the same pattern of unauthorized forbearance activity.

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: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding late payment reporting on my Milestone credit card account issued by XXXX XXXX XXXX XXXX In XXXX I attended trucking school in order to improve my career and financial stability. During that time I was not working and had to rely on my credit cards to cover basic living expenses. This temporary financial hardship caused my account to fall behind and eventually become significantly past due. After completing trucking school and returning to stable employment, I paid the balance off with a lump sum payment and brought the account back into good standing. Since that time I have maintained responsible financial behavior and have not had any additional late payments. I attempted to dispute the late payment reporting through the credit bureaus but my disputes were denied. Because this hardship occurred during a short period while I was investing in my career and I later paid the account, I am requesting that the company review this situation and consider a goodwill adjustment. My goal is simply to have my credit report better reflect my current responsible payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Contacted XX/XX/year> by XXXX and other credit card companies I am affiliated with that a new account with Bank of America had been opened without my permission. Also, I received many emails from the Federal government and the state of KS. I didnt open them up because they looked suspicious

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 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global Solutions is reporting a collection account to XXXX ( Radius Account # XXXX, XXXX XXXX XXXX Account # XXXX, {$1200.00} ) with a Date Opened of XX/XX/XXXX. In their own written response to my dispute dated XX/XX/XXXX, XXXX admits : 'This account stands for XXXX XXXX XXXX XXXX XXXX rendered on XX/XX/XXXX and disconnected due to non-payment. ' Reporting a XXXX debt with a XXXX Date Opened is illegal re-aging under FCRA 605 ( c ). Radius also acknowledges the debt is time-barred ( 'you can not be sued for it ' ) yet reports it as an active collection without required on-report disclosures, violating FDCPA 1692e ( 2 ) ( A ). Additionally, I have physical collection notices from TWO other agencies ( XXXX XXXX in XXXX, XXXX XXXX in XXXX ) claiming this same XXXX XXXX XXXX account number and identical balance proving Radius can not establish unbroken chain of title. In XX/XX/XXXX, XXXX offered a 55 % settlement ( {$710.00} ), yet Radius now demands the full {$1200.00} misrepresenting the collectible amount. Radius failed to provide proper debt validation : no original contract, no itemized statement, no chain-of-title documentation. I demand immediate deletion of this account from my XXXX 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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I received a note in my mailbox after a warrant .. long story... suggesting I ask welsfargo if there's any account in my name. I wrote board of directors and they sent the application for an account opened in 2019. Every paycheck has been transferred out of any bank or paycard the last few years. I have a recording of deputy sheriff saying not his job to help, but had a tip I'd hurt these people. He told me ask the bank why I am a slave due to said account ( paraphrase ).

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
WAYPOINT RESOURCE GROUP is harassing me and illegally obtained my information and placed me into collections without sending validation of debt. WAYPOINT RESOURCE GROUP is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to WAYPOINT RESOURCE GROUP so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code 1692c, Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. This does not comply with disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. WAYPOINT RESOURCE GROUP has no legal right or obligations to me and has illegally placed me in collections without providing original validation of debt and other instruments. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information without my permission. I hereby request cease and desist. As stated before this is illegal. WAYPOINT RESOURCE GROUP needs to provide me with copies of all documentation associated with the account and bearing either a court order to place this information on my credit report or my authorization of release bearing my original signature. To be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. I have also reported this to the FTC as fraud with complaint 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 2026-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: FL

Complaint narrative:
I have no knowledge of this account I never applied for a student loan I didnt finish high school so I would qualify this is the third time my information is being used somewhere I filed an identity theft report also regard to my bank cards being used improperly also

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXXXX/XX/XXXX I received an Email From XXXX XXXX XXXX me I had a collection reported to XX/XX/XXXXXXXX I logged into XXXX XXXX and identified that Credence Resource Management had placed a Collection report for an unpaid balance of {$55.00} for a residential Spectrum account. I called Credence Resource Management on XX/XX/XXXX at XXXXXX/XX/XXXXXXXX located In XXXX Texas and discussed their collection report. Spoke to XXXX. They identified the account as a Spectrum Account, account number XXXX, it was opened in XXXX and closed in XX/XX/XXXX, the account had been opened fraudulently in my name, the address of the account was XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. I informed them the XXXX Account was Fraudulently opened in my name and that I have never lived in or even been in the XXXX of Ohio. I have lived in XXXX California from XX/XX/XXXX till the present date. I requested Credence file a fraud dispute on the account. They informed me they completed the dispute action while I was on the Phone with them. At XXXX XX/XX/XXXXI called XXXX where I discussed the same information on the fraudulent account. They instructed me to complete their ID XXXX Dispute package located on their website and either mail it or Fax it to them. I also reached out to XX/XX/XXXXand completed a disputed action on the collection report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am requesting the following : XXXX. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. XXXX. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Amount : {$3400.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation