vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: WA

Complaint narrative:
Our new home closed on XX/XX/XXXX. Our previous home was sold and closed on XX/XX/XXXX. On XX/XX/XXXX we requested to recast the loan on our new property with CMG XXXX XXXX  We received the recast wire instructions via XXXX on XX/XX/XXXX. We wired {$450000.00} to CMG XXXX XXXX  on XX/XX/XXXX. CMG received the funds on XX/XX/XXXX. CMG advised us that we would be required to make our full house payment of {$4600.00} for XXXX and XXXX of XXXX. CMG didn't remove the PMI until XX/XX/XXXX. Our recasted payment due on XX/XX/XXXX is {$1300.00}. If the payment is received by XX/XX/XXXX there is no penalty. I tried to make a payment using the CMG payment portal on XX/XX/XXXX, however the amount they want us to pay is incorrect at {$1600.00} and we are unable to use autopay. We tried to contact them however they were closed. I will try to reach them on Monday XX/XX/XXXX to correct this. I contacted CMG home loans and requested that the interest paid for XXXX and XXXX of XXXX be applied to the principal and we requested a refund for overpaying PMI. No action has been taken by CMG home loans. Poor communication, untimely responses causes financial stress and uncertainty for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I am filing a complaint against National Credit Systems for inaccurate credit reporting. 

National Credit Systems is reporting a collection account as opened in XX/XX/XXXX. However, the underlying eviction judgment related to this debt occurred in XX/XX/XXXX in XXXX XXXX, New Jersey. 

By reporting a new opened date, the collection agency appears to have improperly re-aged the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). The date of first delinquency is being inaccurately reported, extending the negative impact beyond what is legally allowed. 

I have disputed this account with the credit bureaus and requested validation directly from the collection agency. I am requesting that this account be corrected or deleted due to inaccurate and illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Kikoff Inc.
State: MI

Complaint narrative:
KIKOFF : " Kikoff is reporting contradictory and logically inconsistent data on my credit file. The account is listed as 'In Good Standing ' while simultaneously showing a 'Past Due ' balance of {$240.00}. This inconsistency proves a failure in their data reporting and investigation systems. I am requesting immediate deletion for failure to report accurate, non-misleading information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
" This mortgage account is reporting as 'In Good Standing, ' but I am requesting verification that the payment history is reporting 100 % accurately following my bankruptcy discharge. There are inconsistencies in the reported 'Date of Last Activity ' between my XXXX  and XXXX reports. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
All State is reporting an 'Outstanding ' collection for a debt that was included in my bankruptcy filing. Furthermore, I sent a formal request for Debt Validation, which they have ignored. They have also failed to mark the account as 'Disputed by Consumer ' on my credit file, which is a specific violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ). Their continued reporting of a balance on a discharged debt is an attempt to collect on a void debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I had an account CD XXXX. I had this mail going to my XXXX XXXX Paces XXXX XXXX XXXX XXXX, GA XXXX, which was my XXXX  address, as my XXXX  was at XXXX XXXX XXXX XXXX, TN XXXX. Check number XXXX was given to me upon closing my account on XX/XX/XXXX, as it was my money, but I did not notice that they made the check to a XXXX XXXX XXXX, which is not my legal name. My legal name is XXXX XXXX XXXX. This is why XXXX removed my social security number of the complimentary Insurance given to me By XXXX. at the time, I assumed it was a typo after the fact, until I realized that they merged me recently with this other person who is not me. 

I deposited the account at XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX and opened a XXXX receipt no. XXXX at this bank with the check from First Tennessee bank.. This bank is owned now by the mother company, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX in XXXX, Tn, XXXX XXXX refused to take any of my original mailed copies and paperwork copies given to me. It was opened on XX/XX/XXXX acccount number XXXX the amount of {$10.00}, XXXX. 

I opened it in my name and my parents name in case anything happened to me. I closed it XXXX  days before maturity at XXXX XXXX  XXXX. All my other paperwork is in my name XXXX XXXX with an A. I opened the CD at XXXX XXXX  XXXX  in my name and my parents name and used my Durable POA to add them to my account. I have evidence of all this paperwork if needed. 

In XXXX there was also a XXXX at XXXXXXXX XXXX XXXX made to the wrong name. I kept telling them a long tiem ago to fix it when I noticed it. The Credit Bureaus appear to have me as a shared social security number with this other person who is not me, but the banking errors should have been caught by the bank as my name is XXXX XXXX XXXX. 

I want all my accounts linked and I want both of the banks to take the papaerwork that is mine and use it. I have proof that this is my money and my signatures and these are my banks. I also had my student loan at this bank, and multiple CD 's. I have attached proof tof the erroneous name on the check given to me at my bank, which I deposited into my other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
" I am filing this complaint against [ Agency Name ] for their failure to provide proper debt validation under the FDCPA. I sent a formal request for validation via Certified Mail on [ Date ], but the agency has failed to provide the original contract or proof of their legal authority to collect. Furthermore, they are reporting this as an 'Outstanding ' collection despite it being a pre-petition debt from my bankruptcy. They have failed to mark the account as 'Disputed by Consumer ' on my XXXX  report, which is a direct violation of the FCRA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been stalked and harassed numerous times through social media, over the phone, through text messages, in person at my residence after making them aware of my situation that I have been unable to receive employment for several years now due to unknown reasons out of my control. The harassment still continues to XXXX XXXX I have blocked over XXXX phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
" These student loan accounts are reporting as 'Closed ' but with various statuses that are unclear. I am requesting that the servicer verify the exact balance and status for each of the XXXX accounts listed to ensure they are not negatively impacting my debt-to-income ratio post-bankruptcy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: SC

Complaint narrative:
I closed my credit building account because I lost my job and they wont return my money I paid XXXX dollars and they said that my money would be returned when I close my account, Now I cant get in touch with anybody!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
financial exploitation ... trail of ownership problem... I do not know who these people are.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im being sued for account last four digits XXXX and on this account and its over 7 years Capitol One. They are reporting it as open and I have late payments. It was a charge off. They was sent a cease and desist letter. I never recieved anything. I asked for the original contract with my signature on it and proof they are the owners of the debt. I disputed it and XXXX verified it. Then they took that account off and reported another Capitol one account ending in XXXX I dont know where that account is from. They are reporting in correct information on my report. According to 15 usc 1681 im am entitled to fair and accurate reporting. This should be removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: NC

Complaint narrative:
Revco solutions Medical debt- {$30.00} Have been trying to pay this dumb bill for MONTHS no one can verify the reference number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
About eight months ago, I created a XXXX account to pay for a medical consultation. 
The account did not work. I tried to add money in several different ways to complete the transaction, but without success. 
Shortly after that, I tried to close the account, which was not allowed online. I was informed that the account had been frozen due to a suspected recent transaction. 
I followed the required protocols by sending copies of my identification documents and was informed that I would be contacted within three business days to complete the account closure. 
I never received a response. 
I contacted the company two more times and received the same information : that the account was frozen due to a received transaction. However, I never used this account. 
Once again, I sent the requested documents, confirmed everything as instructed, and I am still without any response from the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I receive spam text messages from TrueAccord saying I owed a debt from XXXX XXXX. I attempted to contact TrueAccord, but the information the man asked for over the phone was intrusive and I worry about identify theft. I contacted XXXX XXXX. They verified that I do not owe them, and my account was paid in full when I stopped doing business with them in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
More than a month they would not credit my account. I said I dispute please give me the number. They will not. The check that they credited said a void check that the bank generated. XX/XX/year>. Check # XXXX. {$250.00}. The put me on hold every time and created a mess on purpose. They have done this before. Its either pending, a mystery, would not issued a number. I made a checked that cashed and the hospital XXXX XXXX XXXX XXXX did receive. XX/XX/year>. {$250.00}. The banks said in XXXX the teller said call the creditor. The hospital said they did not cause that to happen. 5/3 Bank Disputes Resolution Dept MD XXXX XXXXXXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Account number XXXX. Routing number XXXX. It is a bad location on XXXX XXXX XXXX in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: IA

Complaint narrative:
I am disputing an account reported by U.S. Dept of Education / XXXX on my credit report. 

This account previously showed an outstanding balance, but it has been updated to {$0.00} as of XX/XX/year>. XXXX currently reports a {$0.00} balance for this account. The prior reporting of a balance is inaccurate and misleading, as it does not reflect the current status of the account. 
XXXX XXXX still a balance. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this account be XXXX XXXX deleted entirely * * from all credit reports, as the prior reporting was inaccurate and continues to impact my credit. 

Attachments : XXXX Credit report showing {$0.00} balance on XXXX XXXX  Any official correspondence from XXXX confirming balance

Company response to consumer: Untimely response
Consumer complaint received 2026-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have previously disputed the accuracy of the late payments being reported on the following account ; XXXX  XXXX account number XXXX multiple times. The results have been account verified accurate each time. I do not believe a thorough investigation has been done. As of XX/XX/2026 the reporting of late payments on this account remain inaccurate. I am now requesting the method of verification for the late payments that Equifax continues to report inaccurately, to include the method used, whom was contacted, their contact information and the investigation evidence to support the the continued inaccurate reporting of late payments on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
2 items. 
# 1. XXXX i bought a cell phone XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX number on credit card bill ) for XXXX $ onXXXX XXXX from XXXX . the item got broken in XXXX and its been there ever since so i made a credit card dispute in which i received my money back on XXXX XXXX from Bank of America but i thought i did something wrong and cancelled the dispute by accident. the XXXX $ got taken out agan XXXX XXXX.I made a second dispute in XXXX but was cancelled. i have a written letter per tracking to TX. telling them they need to finally fix this. it gets there around XXXX XXXX because i sent it from XXXX where i am now until XXXXXXXX XXXX.The item never came and can not open a claim on XXXX because i disputed with my credit card Co. ( Claim Number XXXX ) # 2. On XXXX XXXX i bought a XXXX XXXX XXXX Laptop from XXXX for XXXX $ but never came so i filed a dispute and ( this is weird ) on XXXX XXXX i received XXXX $ and on same day XXXX $ also accredited but like above i thought i looked at something wrong so i cancelled. so on XXXX XXXX the XXXX $ came out again and never returned although i filed for a 2 dispute in which they cancelled for being a Double Dispute. ( order number XXXX XXXX ) ( Bank of America credit card number XXXX claim number ) This has been going on since XXXX and its not getting fixed. 
I added all my credit card out goings and incomming and everything added up except the 2 amounts are not showing up as Positive I hope you can fix this

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 2026-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I paid XXXX and some change for a XXXXXXXX XXXX  off XXXX threw PayPal, however the item was delivered but I never received!! After checking with my neighbors and no luck I reached out to the original site XXXX  and they refused to do anything, then filed a dispute with PayPal and they said that the item was delivered and denied my dispute!! I want my money back. I never got the item! Idk where the guy delivered it too but it deff wasn't my house and now I am mad,!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This submission serves as a supplemental statement to my pending complaint against Capital One Bank. 
1. Unreasonable and Inconsistent Verification Requirements Capital One initially requested only one verification document, specifically a government-issued photo ID. I complied with this request and my account was subsequently approved. After approval, Capital One demanded three months of bank statements and income verification, despite my housing instability and despite the verification process having already been completed. These shifting and excessive requirements place unreasonable barriers on accessing credit and disproportionately burden financially vulnerable consumers, in violation of the Equal Credit Opportunity Act ( ECOA ). 
2. Account Restriction Without Adverse-Action Notice Capital One later restricted my account based on unspecified risk or alleged fraud concerns. No written adverseaction notice explaining the decision was provided, in violation of Regulation B ( 12 CFR 1002.9 ). Consumers have a right to clear written notice when credit access is limited or withdrawn. 
3. Retaliation for Recording Calls Capital One representatives refused to continue assisting me because I stated that I was recording our conversation. Federal law permits oneparty consent recording. Refusing financial services solely because a consumer records a disputerelated call is retaliatory and abusive. 
4. Ongoing Harm Due to these actions, I have experienced loss of access to credit, financial hardship, uncertainty, and unfair treatment despite full cooperation and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Arivo Acceptance, LLC
State: NV

Complaint narrative:
rrivo Acceptance failed to respond meaningfully to multiple written disputes and requests for a complete audit and itemized accounting of my auto loan account. 

I sent a cease-and-desist notice and audit request on XX/XX/year> ( received XX/XX/year> ). I sent a formal Final Demand for XXXX on XX/XX/year> ( received XX/XX/year> ). After receiving no audit, Arrivo sent a generic Credit Dispute Notice on XX/XX/year> that addressed only credit reporting and did not provide a payment history, fee breakdown, interest calculations, or balance verification. 

I then sent a Deficient Response / Failure to Cure notice on XX/XX/year> ( received XX/XX/year> ). To date, Arrivo has still failed to provide the requested audit or verification. 

I am unemployed and living with a XXXX. Despite my written cease-and-desist request, Arrivo continues unnecessary communication . I am making good-faith payments but can not verify the accuracy of the balance due to Arrivos failure to audit the account.

I am requesting CFPB assistance to compel Arrivo Acceptance to provide a complete, itemized account audit and to stop harassing communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint against Truist Mortgage for failing to properly verify and accurately report alleged late payments on my consumer credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I formally requested written confirmation and validation of the reported late payments for the months XXXX on account XXXX, including an explanation of how any delinquency was calculated in relation to the account balance and status at the time. To date, Truist Mortgage has failed to provide competent evidence, documentation, or a complete accounting to substantiate the accuracy of these derogatory entries, yet continues to furnish them to the credit bureaus. Reporting unverified or inaccurately calculated late payments constitutes false, misleading, and negligent credit reporting and is causing ongoing harm to my credit profile.

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 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is identify thief this account doesn't belong to me

Company response to consumer: Closed with non-monetary relief