vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding a collection account that continues to be reported on my credit report even after I disputed it and requested information. This collection account is being reported by NCA for an alleged debt originally associated witXXXX XXXX XXXX XXXX XXXX XXXXXXXX, in the amount of {$850.00}. My credit report reflects that this account was disputed by consumer, but the account continues to be reported as if it had been properly verified. I disputed this account and requested validation of the alleged debt, documentation showing that the account belongs to me, the balance being reported, the ownership of the account, and the basis for continuing to report the collection account after my dispute. I did not receive an adequate response or sufficient documentation. Despite that, the company continues to report the account. The continued reporting is inaccurate, incomplete, misleading, and/or not properly verified. If the company can not fully and accurately verify the debt, the ownership, the amount, and the reporting details, then this account should not remain on my credit report. I am requesting a full investigation into this account, proper verification of the alleged debt and reporting, and deletion of the collection account from my credit report if it can not be fully and accurately verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
Im financing a vehicle through Toyota Financial Services. I set up recurring payments from my savings account through their website ; the system shows the payment as successful for several days and then later reverses it without clear notice. The payment does not appear to be applied correctly, and my account still shows the payment as missing. I should not be forced to use a checking account when the website accepted my savings account as a valid payment method. Because of these failed pulls, Im worried my car may be repossessed even though I clearly tried to pay on time. I have no working phone and can not resolve this issue by calling. The way the payment system works feels misleading and unfair, because it shows a payment as successful and then treats it like it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: CITIBANK, N.A.
State: NY

Complaint narrative:
CitiBank allowed a fraudulent credit card account to be opened in my name and linked to my checking account without my authorization. Citibank then withdraw {$6700.00} from my checking account as payment toward that fraudulent account. I immediately disputed the transaction and informed Citibank that both the credit card account and ACH/payment authorization were fraudulent and unauthorized. I requested reimbursement under the Electronic Fund Transfer Act ( Regulation E ). I did not authorize the opening of the account, the linking of my checking account, nor the withdrawal of funds. Today, spoke with XXXX inthe Fraud Department who would not provide the name of individual, date account was opened, nor the personal information of mine that was used to open up that Citi Card. She also stated that since the individual somehow had my checking account number that CitiBank is not responsible for the fraudulent activity.

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am submitting a formal complaint regarding a sudden and significant credit limit reduction by Capital One on my credit card account. My credit limit was reduced from approximately {$23000.00} to {$11000.00}, leaving me with only about {$700.00} in available credit. I have maintained this account for several years with generally responsible credit use, including only one isolated late payment during the entire relationship. I also maintain multiple other credit cards in good standing with high limits and XXXX balances. This action has materially and negatively impacted my credit profile by significantly increasing my credit utilization ratio without any corresponding increase in debt or change in my financial behavior. The reduction artificially inflates my utilization and lowers my creditworthiness despite continued responsible account management. I contacted Capital One customer service and escalated the issue to a supervisor. I was informed that no reconsideration or reversal of the credit limit reduction would be offered. Capital One provided general reasons for the decrease, including account balance patterns relative to the credit line, a prior late payment, and payment amounts relative to balances. However, I believe these factors do not accurately reflect my overall credit behavior, long-term account history, or current financial responsibility. Requested resolution : A manual review of the credit limit reduction decision Reconsideration and restoration of my previous credit limit, either fully or partially Correction of any adverse impact caused by this action if applicable I am requesting a fair review of this matter, as the reduction appears disproportionate relative to my credit history and has caused significant unintended harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a fraudulent claim with my bank at the end of XX/XX/year> for over 100 transactions equaling up to {$1800.00} for XXXX XXXX. My bank, BANK OF AMERICA provided a credit and investigated the claim. They sent me a notice in XX/XX/year> stairs they were taking the credit back and deemed it us was that made the payments. I called to re open my claim on XX/XX/year> they said it was my fault and arent willing to work with me.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am not playing with Company. I tried to contact the company. He couldnt give me any information. It is under identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
XXXX I received a letter saying that my mortgage payment would be going up {$1000.00} due to escrow shortage and that I had the option of paying {$8800.00} in order to keep the lower payments. After sending the shortage I was not able to pay the regular monthly payment online because at their website would only take the payment reflecting the {$1000.00} increase, therefore I mailed the XXXX payment and the check was cashed ( canceled checks attached ). When I logged in to make the XXXX payment the same thing happened and the check was mailed and cashed by Selene XXXX. On XX/XX/XXXX after many phone calls that went to voicemail and hang up calls I contacted thru email requesting another escrow analysis to be done and advising them to apply the payments to the mortgage. On XX/XX/XXXX I was contacted by a customer servicer that advised me my loan was in foreclosure and they would not take anymore payments. The only way to bring the loan current was to order a reinstatement. When the attached reinstatement letter came I Needed {$28000.00} to get it out of Foreclosure and avoid court. My interest went from 7.25 % to 45 % they said. I am looking to get my {$23.00} that I had to pay on top of my regular payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I am the administrator of the estate of represented as the " Seller '' of the property in question, in XXXX XXXX TX. The lender for the buyer has now delayed closing for the XXXX time in order to prepare paperwork. As title signing requires a physical presence for signature. I have now used XXXX vacation days from my job to sign per contractual closing requirements. The day off, now for the XXXX time, the lender has delayed last minute, citing yet again for the XXXX time to get the paperwork in order. I work for a financial institution and have never seen delays like this before. I have wasted vacation days that I can not get back. This has been the most frustrating real estate transaction that I have ever experienced. The # XXXX amendment changing the closing date has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC BANK IS HOLDING {$310.00} THAT WAS DEPOSITED TO A NEW ACCOUNT THAT I OPENED XX/XX/year>. PNC BANK HAVE BEEN HOLDING MY MONEY, AND CALL IT A LEDGER ACCOUNT. I WAS TOLD THAT IT IS ON HOLD BECAUSE OF FRAUD INVESTIGATION. THIS MONEY I TOOK OUT OF MY XXXX XXXX ACCOUNT.PNC BANK HAS BEEN HOLDING MY MONEY FOR ALMOST A MONTH NOW, IT IS TIME FOR THEM TO RELEASE MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I deny any association with these accounts and request an investigation for removal. Supporting documents attached.

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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX, I became aware of an alleged outstanding balance with Nissan Motor Acceptance Company ( NMAC ) relating to a leased vehicle that I had turned in in late XXXX. In an effort to resolve the matter promptly and in good faith, I paid the amount NMAC represented as due on XX/XX/XXXX, Confirmation # XXXX. Thereafter, in XX/XX/XXXX, I noticed that NMAC was continuing to report an outstanding balance on my credit reports. I contacted NMAC to determine why an open balance was still being reported after payment had been made. I also initiated a dispute with XXXX and NMAC. The investigation response I received stated that the data furnisher verified an amount allegedly owed of {$3100.00}. After several additional calls and requests for documentation, I was later provided with a different statement relating to a separate lease from XXXX reflecting a completely different alleged balance of {$880.00}. Notably, this statement was not generated until XX/XX/XXXX, despite the lease having terminated more than three years earlier and a new lease on a new vehicle was purchased on a prepaid lease. Following multiple attempts to resolve this matter directly with NMAC, I then received a Notice of Default dated XX/XX/XXXX. The significant delay in billing, the inconsistent balances claimed, and the lack of timely and accurate documentation strongly suggest substantial billing and recordkeeping errors by NMAC. A lender and lessor has an obligation to provide consumers with clear, prompt, and accurate notice of any alleged deficiency balance or end-of-lease liability within a reasonable period of time. Instead, NMAC allowed years to pass before generating alleged lease-end charges, while simultaneously furnishing inconsistent and inaccurate information to consumer reporting agencies. This inaccurate reporting has caused detrimental actions by other creditors and has negatively impacted my credit standing. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I dispute this alleged debt in its entirety. Due to the unreasonable delay, inconsistent balances, and failure to provide timely notice, it is my position that NMAC has forfeited any right to collect on this alleged obligation. Accordingly, I request that NMAC : 1. Consider this matter paid in full ; 2. Cease all collection activity ; 3. Correct and remove all inaccurate credit reporting associated with this alleged debt ; and 4. Provide written confirmation of these corrections within fifteen ( 15 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Ok so supposedly I went to the hospital last year and was supposedly sent a bill by the hospital yet I never received any bills whatsoever and now Im noticing it having a massive impact on my credit and so I looked at my voicemails and emails from this debt collector and they claim that I will be arrested and sued if I dont pay the XXXXXXXX XXXX that I supposedly owe yet I never seen the bill nor nothing. Then today XX/XX/year> I call to ask for that bill and they claim they never contacted me for it yet I have their phone number in many voicemails and know when theyre just lying. Theyre refusing to give me a bill theyre refusing to help me all Im wanting is to lower the amount due if possible and do a payment plan but they would rather threaten to arrest and sue me than help me. Thats illegal in Texas. The company is Medical Data Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX, I made payments of {$920.00} each to my XXXX Credit Card thinking they were made to XXXX Mortgage. I received 2 refunds but 3 have not been returned despite many calls, letters and confirmation that funds were returned from XXXX Credit Card to US Bank. I first contacted US Bank XXXX XX/XX/XXXX when I realized the error and was told I needed to call the XXXX Credit Card. They claimed they had no active account and to call US Bank. On XX/XX/XXXX after much back and forth I sent XXXX a registered letter requesting a refund. On XX/XX/XXXX XXXX XXXX XXXX sent a letter stating they returned the payments to US Bank via " CheckFree '', ( also known as XXXX ) on XX/XX/XXXX and to call Cardmember Services at XXXX. On XX/XX/XXXX I gave US Bank tracers, acct # 's, Payment Dates, etc. I was told to call back again. After 7 months of getting the run-around, much time and effort I finally knew I needed help, so I called your company in hopes of settling this issue. I have attached the letters and notes regarding my request.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: MO

Complaint narrative:
I disputed XXXX collection accounts being reported by LVNV Funding LLC and serviced by Resurgent Capital Services. I requested validation and documentation supporting the reporting of the accounts, including proof of ownership of the alleged debt, chain of assignment, signed agreement, account-level accounting, and documentation supporting the balances being reported. The company did not provide competent documentation. Instead, the accounts were simply marked as verified as accurate through the credit bureau investigation process. The investigation results referenced generic historical trended data rather than substantive account documentation. The accounts continue to be reported as collections despite insufficient substantiation and continue to negatively impact my credit profile. I am requesting a proper investigation and deletion of any information that can not be fully verified and accurately substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armstrong and Associates, Inc
State: LA

Complaint narrative:
A medical debt was sent to me and through both health insurance companies I was with I filed claims and both said I owe nothing so I sent XXXX and letter of appeal to the first debt cancellation company and they forwarded my information to the hospital and I been checking and both the hospital and debt collection company said I have no outstanding invoices and yet I received another debt cancellation letter from a different company saying I owe but I sent proof of the XXXX and letter of appeal saying I owe nothing to the first debt collection company and they sent it to the hospital and as I said it said on both the hospital and first collection agency that I have no outstanding invoices

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am filing a complaint regarding improper and undisclosed interest charges on my Apple Card issued by Goldman Sachs Bank USA. In XXXX 2026, my XXXX bank account was frozen due to confirmed fraud. Because of this, my XXXX Apple Card payment did not process on time. As soon as my bank access was restored, I paid the full amount. I fully acknowledge that a onetime interest charge for that delay would have been reasonable. However, after that point, I paid my full statement balance every month, and my account was set to autopay the full statement balance. Despite this, Goldman Sachs continued to charge me interest in XXXX and XX/XX/year>. Key facts documented on my statements : XX/XX/year> : XXXX attempted from XXXX but failed due to XXXX XXXX XXXX XX/XX/year> : Goldman reversed the payment ( ACH reversal ) XX/XX/year> : I paid the full amount from a different bank XX/XX/year> : I again paid the full statement balance XXXX XXXX, 2026 : I again paid the full statement balance Despite paying the full statement balance for XXXX and XXXX, Goldman charged : {$150.00} interest in XXXX {$58.00} interest in XXXX The problem : Goldman never disclosed any residual interest amount My statements did not show any balance subject to interest in XXXX or XXXX. My statements did not disclose any remaining interest owed. My statements did not show any payoff amount needed to stop interest. Autopay was set to pay full statement balance, yet interest continued. Under Regulation Z ( XXXX CFR XXXX ), card issuers must clearly disclose : The amount required to avoid interest Any residual interest Any balance subject to interest None of this was disclosed on my statements. XXXX response to my Billing Error Notice was inadequate I submitted a formal Billing Error Notice on XX/XX/year>. Goldman responded on XX/XX/year> stating only that : Your payment was returned on XX/XX/year> therefore interest was charged. This response did not address : Why interest continued after I paid in full Why residual interest was not disclosed Why autopay full statement balance did not stop interest Why the statements showed {$0.00} balance subject to interest Why I was not told the amount needed to stop interest accrual XXXX response does not satisfy the investigation and explanation requirements under Regulation XXXX XXXX. Impact I acted in good faith, paid my balances in full, and relied on autopay. Goldman charged interest that I could not see, could not calculate, and was not told about. This appears to be : A billing error A Regulation XXXX disclosure violation A failure to conduct a proper investigation A failure to provide required written explanation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: TX

Complaint narrative:
The records associated with my account contain unsupported information and inaccuracies that must be reassessed.

Company response to consumer: Closed with non-monetary relief