vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
This correspondence constitutes formal notice of dispute and demand for immediate reversal of an unlawful seizure of federally protected Supplemental Security Income ( SSI ) funds from my account. On XXXX XXXX federal removed funds from my account to satisfy a charged-off credit card debt. The funds taken were exclusively derived from Supplemental Security Income benefits issued by the Social Security Administration. Your institution has asserted that the funds lost protection because they were transferred via Zelle and that Zelle is not a protected entity. That position is legally incorrect and unsupported by federal law. Pursuant to XXXX XXXX. XXXX ( a ), as incorporated into SSI protections through XXXX XXXX. XXXX ( d ) ( XXXX ), Social Security and SSI benefits shall not be subject to execution, levy, attachment, garnishment, or other legal process. The United States Supreme Court has interpreted this provision broadly to prohibit creditors and financial institutions from using indirect mechanisms to access protected benefits. The statute protects the funds themselves, not the method of transfer. The use of an electronic payment network such as Zelle does not alter the character of federally exempt funds. If funds are traceable to SSI benefits, they retain their exempt status after deposit and after electronic transfer. The exemption follows the funds so long as they are reasonably identifiable as federal benefit payments. Furthermore, XXXX C.F.R. Part XXXX establishes federal protections for deposited Social Security and XXXX benefits and prohibits financial institutions from freezing or garnishing protected benefit funds in response to creditor claims. A private contractual right of setoff can not override federal statutory protections. Federal law preempts conflicting contractual provisions. By seizing SSI-derived funds to satisfy a charged-off credit card obligation, your institution engaged in an unlawful setoff and conversion of federally exempt benefits in direct violation of XXXX XXXX. XXXX ( a ) and XXXX XXXX. XXXX ( d ) ( XXXX ). Accordingly, I demand immediate restoration of all seized funds, written confirmation of corrective action, and assurance that no further attempts will be made to offset federally protected benefits. If this matter is not resolved within XXXX ( XXXX ) business days of receipt of this notice, I will pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau and the appropriate federal banking regulator, and seeking relief through civil action as permitted by law. This letter serves as formal notice of statutory violation and demand for cure. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I sent a {$1000.00} USD international transfer from XXXX throughXX/XX/XXXXto my sons Bank of America account. Due to a typographical error, I entered XXXX incorrect digits in the account number, and the funds were deposited into another customers Bank of America account. XXXX informed me that the receiving bank confirmed the funds were successfully credited to that account. However, the unintended recipient has refused to return the money. I contacted Bank of America and requested assistance in recovering the funds, but I have not received a satisfactory resolution. The bank has stated that it can not disclose the identity of the account holder due to privacy laws. I am requesting regulatory assistance to ensure that the bank makes reasonable efforts to recover the funds and properly investigate this matter. This was a clear clerical error, and I am seeking help to recover my money. Thank you.

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 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I fell behind on my mortgage due to unemployment. I was out of work for a year. I did apply for Loss mitigation was told I did to many and they turned me down. Now the reason for denial this time was that Zions Bancorp does not offer work out options. I am not sure where to go from here. I am working with a HUD counselor by the name of XXXX XXXX at XXXX XXXX Colorado. I will attach the documents that I have.

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 2026-03-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: WA

Complaint narrative:
a request to pay for a student loan of XXXX {$27000.00} borrowed between XX/XX/year> and XX/XX/year> monthly amount {$300.00} account no. XXXX to be paid to U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
XX/XX/year> Radius Global Solutions reported to my credit bureaus of a debt of {$240.00}. I would like confirmation of where this is from. It doesnt state anything on my credit report of what company this debt is from. I believe this is fraud and would like to report this a fraudulent. I would like a copy of anything found after investigation please sent to my email.

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 2026-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX 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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Account in good standing with no balance due and a small amount in charges which would be due in XXXX when the balance issues its XXXX statement. Bank closed it and declines to provide a reason. Calls to the bank and a visit to a branch got me nowhere.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA

Complaint narrative:
This was apart of string of identity theft thats occurring with my name. I have open investigation currently and Im going to add this and the company that collected this illegal information without my consent. This needs to be removed from your database and cease all current and future communications that I did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
I was in a car accident on XX/XX/XXXX. The police XXXX on the scene asked for my insurance but I couldn't speak. He started writing the ticket at the hospital. I told him to wait while I get an XXXX to give him my insurance but he wrote it anyway and told me to dispute it. I never received the ticket to dispute it. Now I am receiving texts saying I owe money. My insurance and tags have always been active. I can prove it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC because they have reported two separate alleged debt accounts on my XXXX credit reports despite the fact that I have never had any contractual relationship with this company, never received a XXXX letter, validation notice, bill, phone call, or any form of communication from them, and never had an opportunity to dispute or request validation prior to the tradeline appearing on my credit file. I first learned of these alleged debt only after reviewing my credit report. Jefferson Capital is a debt buyer and furnisher of credit information, and under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( a ), they are required to provide written notice containing the amount of the debt, the name of the creditor, and notice of my right to dispute within 30 days either before or within XXXX days of their initial communication ; no such notice was ever provided to me. Furthermore, under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), a furnisher may not report information it knows or has reasonable cause to believe is inaccurate and must conduct a reasonable investigation upon notice of dispute and delete information that can not be verified. Jefferson Capital has furnished and continued to verify both accounts without providing any documentation establishing a valid contract, complete payment history, lawful chain of assignment, or proof that the alleged balance is accurate and legally enforceable. Reporting a debt without first providing required validation notice and without maintaining competent evidence of ownership or liability is materially misleading and inconsistent with the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). As a result of this reporting, my credit profile has been negatively impacted, I have suffered reputational and financial harm, and I have been forced to expend time and effort correcting inaccurate information. I request that Jefferson Capital permanently delete these tradelines from all consumer reporting agencies, provide written confirmation of deletion, and disclose the complete documentary basis and source of the information they relied upon to claim this debt is valid and attributable to me. Failure to correct unverifiable data after receipt of this notice may constitute willful noncompliance under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
In XX/XX/year>, we entered into a solar loan agreement financed by GoodLeap in connection with a solar installation sold by XXXX XXXX XXXX. ( now out of business ) During the sales process, we were explicitly told that we would receive a federal tax rebate check equal to approximately XXXX XXXX of the system cost from the IRS. We were told this check could be applied toward the loan principal, preventing any increase in our monthly payment. We later learned that this was not a guaranteed rebate or refund check, but rather a non-refundable federal tax credit dependent upon individual tax liability. Due to our income and tax situation, we did not qualify to receive the expected benefit. As a result, when the anticipated principal reduction was not made, our monthly loan payment increased by approximately {$100.00} per month. The structure of the loan assumed application of the federal tax credit, but no one verified whether we would qualify to receive that credit. The sales presentation conveyed certainty regarding receipt of funds, which materially influenced our decision to proceed. Had we understood that : The federal incentive was a non-refundable tax credit It was dependent upon tax liability It was not guaranteed Our payment would significantly increase if we did not apply that amount we would not have entered into this financing agreement. While standard disclosure language was included in documents we signed, the verbal representations made during the sales process directly contradicted the practical reality of the tax credit and payment structure. Additionally, projected energy savings presented during the sale have not materialized, and our total monthly energy-related expenses are higher than represented at the time of sale. When we told the sales rep that we wanted to think on it a bit more, he said if we would make the decision then, they would pay the first year for us. ( which they did after I repeatedly chased down the sales rep, who had moved onto another company ) Since then, I was diagnosed with XXXX XXXX, and the financial burden associated with my diagnosis has added to the financial stress. Not only do we have a power bill each month but also a {$310.00} solar panel payment. We are requesting : A full review of the loan origination and sales practices. Loan modification or restructuring to reflect the true financial impact. Confirmation that negative credit reporting will not occur during investigation. Documentation of any recorded sales communications associated with this loan. We believe the loan was induced by materially misleading representations regarding federal tax benefits and payment structure. We request regulatory review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: CA

Complaint narrative:
Please check the provided materials ; the inquiries came without notice and may not be approved.

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 2026-03-03 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: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
I am complaining about Rocket Mortgages handling of my mortgage recast and the misleading information I received about when my new, lower payment would be effective. On XX/XX/XXXX I called Rocket and spoke with a representative named XXXX about my recast. I explained that I was days away from my XX/XX/XXXX payment and that, without the recast, I would be paying roughly {$1200.00} of extra interest. XXXX told me the recast was in its final stages, that she would escalate it, and that there was nothing more I needed to do. She specifically said, Yes, sir, itll be done before XXXX, because based on the agreement, it has a XX/XX/XXXX due date. When I pointed out that my XX/XX/XXXX payment in the portal still showed the unrecasted amount and asked if I should wait, she told me : Its not gon na be effective until XX/XX/XXXX so I definitely would just hold off on it and allow the request to fully process before making that payment but youre correct. It is gon na adjust the monthly payment. I recorded this call and Rocket should also have it. I then had chats on Wednesday XX/XX/XXXX and Friday XX/XX/XXXX where I again asked if my XX/XX/XXXX payment would reflect the recast and was told it would. I relied on these verbal and written confirmations that XX/XX/XXXX would be adjusted and that I should hold off paying until the recast processed. On XX/XX/XXXX I used Rockets chat and spoke with XXXX and then supervisor XXXX. I was told that based on the signed recast agreement my new payment would not take effect until XX/XX/XXXX, that the process takes 90 days, and that I must make the full, unrecasted XX/XX/XXXX payment. When I quoted the XX/XX/XXXX call back to them and asked why I had been told to hold off paying XX/XX/XXXX, I was told there was no miscommunication and that notes supposedly showed the new payment would not take effect for XX/XX/XXXX. I asked for copies of my prior chat transcripts ; I was told they could not be accessed or sent once closed. Rockets own representatives told me the recast would be done before XXXX, that the agreement had a XX/XX/XXXX due date, that my XX/XX/XXXX payment would be adjusted, and that I should hold off paying until it processed. An unrelated Rocket representative on XX/XX/XXXX confirmed those exact things through Chat. Later, Rocket refused to honor those statements and insisted the effective date is XX/XX/XXXX, while also refusing to provide me the prior chat transcript from any days. I am a Certified Financial Planner with a background in reviewing mortgage documents. I also understand servicers should not mislead borrowers about payment obligations and effective dates. Here, I reasonably relied on Rockets repeated assurances in planning around my XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint regarding Citibank 's handling of a disputed credit card change. Amount : {$250.00} Transaction Date : XX/XX/XXXX Statement Period : XX/XX/XXXX - XX/XX/XXXX This was an online transaction that I disputed on XX/XX/XXXX after realizing I had mistakenly submitted payment to the wrong rental company. During the investigation, the merchant provided as evidence a lease agreement signed in XX/XX/XXXX. That lease : 1. Predates my relationship with the person who signed it 2. Expired several years before the XX/XX/XXXX transaction 3. Does not reference my credit card 4. Does not demonstrate authorization for any transaction in XX/XX/XXXX Despite this, Citibank ruled against me on XX/XX/XXXX. I reopened the dispute on XX/XX/XXXX, specifically explaining that the lease does not establish authorization of this transaction. I was not contacted during the reinvestigation. On XX/XX/XXXX, Citibank closed the case stating that the time limit had passed and that no further action would be taken. The statement containing the charge covered XX/XX/XXXX through XX/XX/XXXX. I disputed the charge well within 60 days of that statement. Citibank has not explained how a XXXX expired lease agreement constitutes authorization for a XX/XX/XXXX online XXXX transaction XXXX I am requesting that Citibank : 1. Conduct a proper reinvestigation of this billing error. 2. Provide a written explanation detailing how the documentation relied upon establishes authorization of this specific transaction. 3. Correct the account if authorization can not be demonstrated. I believe Citibank improperly relied on irrelevant documentation and then closed the reinvestigation on procedural grounds without addressing the substantive issue of authorization. I have submitted a formal written billing error notice under the Fair Credit Billing Act to Citibank 's designated Billing Inquiries address.

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