vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XX/XX/year> the company response to the debt validation written verification of amount a copy of the original contract, note or instrument bearing my signature XXXX .. the company didn't fulfill the request the original contract they sent was a forged document I wasn't aware off i sent them a notice of forgery and contract dispute also consumer rights give me the right to ressision XX/XX/year> gave notice of rescission and demand... demand the following within XXXX calender days .. its not a matter of identity theft but a forgery and fraud in the inducement .I demand forensic signature verification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-18 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: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/year>2026, PNC Bank withdrew approximately {$920.00} from my checking account to apply toward a personal loan I hold with the same institution. This withdrawal occurred without prior notice and without clear authorization. 

This action caused immediate financial hardship and interfered with my ability to pay essential living expenses, including my mortgage. I did not authorize this specific withdrawal, nor was I provided advance notice that PNC intended to exercise any right of setoff. 

Following the withdrawal, I made extensive efforts to resolve this issue directly with PNC Bank. I have attempted to contact PNC over XXXX times, filed multiple internal complaints, and spoke with several representatives and supervisors. Despite these efforts, no one from PNC has returned my calls, provided a written explanation, or meaningfully addressed the issue. 

When I did reach representatives, they were unable to clearly identify or explain the specific contract language that authorized this withdrawal. I explicitly requested written documentation identifying any right-of-setoff provision, but this was never provided. 

PNCs failure to respond, combined with the lack of notice, lack of clear authorization, and the resulting financial hardship, leaves me with no option but to seek regulatory assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
Proof of ownership of debt owed, in addition written agreement of my consent on original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: SC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: NJ

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was in a agreement with the Grandson amount of {$200.00} a month which was draft out my bank account. Within the third month of the agreement I start receiving email from Columbia debt recovery LLC stating I owe {$3800.00} which is not correct. I tried to talk to them but was told I had to pay the whole amount but I never sign or agreed with them. I ask them for the original paperwork that show what I have paid and to show the original paperwork of my signature agreeing to such b practice business. They have not produce no paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Asked repeatedly for original agreement and proof of ownership. Company could not provide to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding what I believe to be unfair and deceptive practices by Rocket Mortgage in connection with a loan recast request. 

In XXXX, I made approximately {$110000.00} in additional principal payments toward my mortgage loan. Recently, I contacted Rocket Mortgage to inquire about recasting the loan to reflect the reduced principal balance. During my initial call, the representative was able to calculate within seconds what my new principal and interest payment would be if the loan were recast. The reduction would have lowered my monthly payment by more than {$700.00}. I was informed there would be a one time {$250.00} recast fee. While I consider that fee excessive given the minimal administrative effort involved, I understand it is disclosed in their terms. 

I told the representative I needed time to consider the request and would call back. 

When I called back to proceed, the representative immediately processed the {$250.00} fee. Only after charging the fee did he inform me that the recast would take 30 to 45 days to take effect and that my payment would not be reduced until XX/XX/XXXX. This timing means I will be required to make two additional higher monthly payments despite the fact that the principal reduction has already occurred and Rocket is able to calculate the new payment instantly.

This delay was not disclosed up front before the fee was charged. Had I been told clearly and explicitly that the payment reduction would not take effect for 30 to 45 days, I would have reconsidered whether to proceed at that time. The representatives failure to disclose this material information before processing the fee is deceptive.

More broadly, the practice itself appears unfair. Rocket Mortgage can determine the new payment amount in seconds. There is no legitimate reason for borrowers to be required to continue making inflated payments for 30 to 45 days after paying a fee for a recast, particularly when the reduced principal balance is already reflected on the loan. This results in consumers paying additional interest that could easily be avoided if the recast were implemented promptly. 

I am requesting that the CFPB investigate Rocket Mortgages recast practices, including their disclosure of implementation timelines and the reasonableness of the delay in applying payment reductions after collecting recast fees. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX XXXX I opened a dispute with Navy Fed Credit Union for unauthorized charges. Two weeks later they closed the dispute and did not provide documentation on why. After doing my research, I understand that unauthorized use of a debit card falls under E regulations under the EFTA. 

I reopened my dispute on XX/XX/XXXX providing proof via emails from the merchant in question requesting that my bank start the chargeback process and an email from XXXX XXXX support providing evidence that the transactions were not approved through pin number or biometrics. 

All of this was submitted to Navy Fed and yesterday, XX/XX/XXXX, a supervisor by the name of XXXX informed me that my dispute was categorized as non E regulation but could not tell me why or provide me with documentation on why. 

Summary of the Issue My bank denied my debitcard dispute without providing any documentation or explanation to support their decision. They also claimed my dispute was nonRegulation E but could not provide a reason or evidence for that classification. 

Timeline of Events XX/XX/XXXX I submitted my original dispute for unauthorized transactions. 

The bank did not provide documentation, investigation details, or a clear reason for denial. 

XX/XX/XXXX I resubmitted the dispute after the bank failed to address the issue. 

The bank again denied the claim without providing the required documents or a reasonable explanation. 

Regulation E Concerns Based on the banks actions, I believe they failed to follow Regulation E requirements, including : Not providing documentation relied upon in their decision Not explaining why the claim was classified as nonReg E Not conducting or documenting a reasonable investigation Not providing provisional credit when the investigation exceeded the allowed timeframe Impact The banks failure to follow Regulation E has left me without access to funds while they continue to deny the dispute without evidence.

Requested Resolution I am requesting : Provisional credit while the bank completes a proper investigation A full explanation of why the bank classified the dispute as nonReg E Copies of all documents the bank used to make its decision A complete and compliant investigation under Regulation E

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
If you want to avoid getting dragged into a civil lawsuit where you may have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today.

You see, THE BUREAUS, has furnished a collection account on my credit report without validating this debt with me beforehand. In fact, the following debt collectors never sent me a dunning letter ( which is mandatory to validate a debt ) within 5 days of the accounts getting reported ( which is also the initial communication ). Therefore, the accounts listed below must all get deleted from my credit report under 15 USC 1692g.

However, there is one way you can leave the items on my credit report unscathed. And in order to do this, you must produce proof a dunning letter was sent to my address ( within 5 days of the account getting furnished ). If you can not produce the requested information, then, by law, you must delete the collection items off my credit report by my next report update. 

The only reason I am aware of these accounts are because they were in my credit report. If I got a dunning letter beforehand I wouldve, without a doubt, disputed the debt and never let this criminal debt collectors get away with this disgusting act. This is the reason, I intend to litigate immediately if these items are not removed from my report. I can not stand it when people try to take advantage of others which is obviously what is being done to me.

So, if you want to free yourself from the heinous acts of the debt collectors in this complaint, simply delete the accounts below and I will drop my claim :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: FL

Complaint narrative:
Proof of ownership of debt owed, in addition written agreement of my consent on original contract

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX PayPal stated they had a XXXX  XXXX. They withdrew XXXX. On XX/XX/XXXX XXXX agreement was created with funds release. XXXX to company rest of funds back to me. At which point they said they needed proof. The company fundo submitted nothing. On XX/XX/year> PayPal stated they dont have funds they paid on my behalf. Within this timeframe I updated them the whole way. At which point on my activity log they deleted that there were funds in my account. When confronted with proof they corrected but said funds are not in their possession. They began to discuss my account balance with creditor even without agreement. As of today XX/XX/year> they deleted funds from activity log.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2026-02-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
Hello Team, I Initiated money transfer from USA to XXXX using Abound Mobile App ( XXXX XXXX XXXX XXXX ) on XX/XX/2026. Amount was supposed to reach in XXXX days but when almost XXXX days crossed, contacted customer care and they kept on updating the timelines. 

Upon contacting them again and again, they were giving the same response that the amount will be transferred soon. Now Its more than XXXX days and the amount is still not transferred. Also the customer support has stopped responding from past XXXX days. 

Further more, today morning they updated the status of the transaction as Delivered but the amount hasnt delivered to the destination account. 

I have been checking my account in XXXX but the amount transferred hasnt been delivered yet. 

Please help in resolving the concern with Abound. Thank you!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal sent me email from XXXX that PayPal will transfer payment for XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX toy account but they refunded my money back to XXXX XXXX XXXX finally and frauded money in my account of first XXXX bank together with XXXX XXXX XXXX to send XXXX dollars to XXXX XXXX XXXX through PayPal account of XXXX on XX/XX/XXXX XXXX XXXX  and XXXX XXXX a XXXX cheated me to get my online banking account username and password to transfer money from joint account to my own account without telling me the truth and lied to me he deposited money into my account.and he kept asking me to refund him money which is not his.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Union Home Mortgage Corp
State: GA

Complaint narrative:
Currently Union is not responding to emails from me due to the current complaint. I would like this information sent to them on my behalf. I am requesting a formal re-review of my complete loss mitigation application. My application was marked as complete prior to denial, but I did not receive any written notice that the applicable modification program had ended or changed. I am requesting confirmation of the effective date of any program change and documentation showing that a written notice was provided to me. 

While I understand I may not meet the 25 % principle and interest reduction requirement under the FHA waterfall calculation, I am able to sustainably afford a payment of no more that {$2200.00} ( including escrow ) per month. If there are any in house modification programs available or if resuming the previous modification I was on in early 2025 then I am willing to do that. I believe that once the investigation is complete, you will see that I was NOT informed of the modification change and assumed I was providing documentation to re-open my previous modification. 

I am committed to pursuing all available avenues to ensure my rights under applicable mortgage servicing rules are protected, including regulatory and legal remedies if necessary. I hope we can resolve this matter cooperatively and promptly. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. 

Please Remove/ Deleted the following Items. 
XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$310.00}

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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Proof of ownership of debt owed, in addition written agreement of my consent on original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
FRANKLIN SER is falsely reporting on my credit. I have never had any accounts with them. Per my research FRANKLIN SER 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation