vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: iQuantified Management Services, LLC
State: FL

Complaint narrative:
Caller asked me to verify personal information before disclosing the alleged debt. 
Caller asked if I was XXXX XXXX. 
When I requested the original creditor and written debt validation under the Fair Debt Collection Practices Act ( FDCPA ), the caller refused to identify the original creditor. 
Caller did not provide a valid physical mailing address or state debt-collection license information. 
Call was terminated by me after the caller refused to comply with a lawful debt-validation request. 

Violations/ concerns : Failure to identify the original creditor upon request Request for identity verification prior to disclosure of debt details Incomplete or invalid mailing address Possible FDCPA non-compliance and/or scam activity Outcome : No personal information was verified or provided. 
No debt was acknowledged. 
I requested written debt validation and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Solar Mosaic LLC
State: NM

Complaint narrative:
Company Name : Solar Servicing LLC ( formerly servicing for Mosaic ) Product or Service : Loan servicing / subordination processing delay I am submitting this complaint because Solar Servicing LLC has failed to complete a required subordination agreement for my solar loan, which is preventing me from closing on a Home Equity Line of Credit ( HELOC ) with XXXX XXXX XXXX XXXX. 

My lender originally submitted the required subordination documents to Solar Servicing LLC approximately eight ( 8 ) weeks ago ( Ticket # XXXX ). I was informed that the company was unable to open the original files. Following that, I re-submitted the complete subordination package more than four ( 4 ) weeks ago ( Ticket # XXXX ) and I have confirmed with Solar Servicing LLC that they have received and were able to access the documents. 

Despite this confirmation, no executed subordination agreement has been delivered to my lender or title company. This delay has significantly disrupted my loan process, and I face the risk of missing my closing deadline of XX/XX/year>, potentially losing my rate lock, incurring financial harm, and having to restart the refinance process. 

I have made repeated requests for status updates and escalation with Solar Servicing LLC, but have not received a definitive timeline or completion. I am requesting that Solar Servicing LLC promptly complete and deliver the executed subordination agreement to my lender and title company immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My venmo had fraudulent activity and my not able to get money off the card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: MT

Complaint narrative:
I received a call from a company named Structured Settlement. They said I owed for a subscription from 2023 for gummies. I have never ordered any such things, ever! They said it was delivered to my home address, they even said they had a tracking number from XXXX, proof of delivery. They would say the company name, but very fast and not ledgable. No invoice to follow up on. I think this is a scam

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/year>, I reached out to NetSpend since I noticed I had over {$4500.00} in fees that they had charged to me. I alerted them to this and told them that I may file a CFPB report if it wasn't resolved. However, I allowed them time to reach out to me. 

On XX/XX/year>, NetSpend replied and the corporate office said that they would like to reach out to me and asked me what time would work. I responded with my phone number and told them that I was available anytime to speak. 

On XX/XX/year>, I hadn't heard anything from them, so I wrote another email requesting connection and resolution before the XXXX. They called me on Monday, XX/XX/year>, and I missed that call. However, attempts to get in touch with who called me have been unsuccessful.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover held a scheduled payment and did not make the funds available to me, but immediately deducted it from my available credit. The held payment later returned, but the temporary hold created a negative balance. When a later credit of {$600.00} was released, Discover automatically applied it to offset that negative balance. I never had access to or usable benefit from either amount. 

I contacted Discover multiple times, including a supervisor. They confirmed the payment was held and unavailable but stated the balance reflects correctly and refused to correct the outcome. I am disputing the deduction and offset of funds that were never available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: OR

Complaint narrative:
I am filing this complaint regarding Bank XXXX XXXX handling of my credit card dispute ( Claim XXXX, account ending XXXX ). 

On XX/XX/year>, I purchased XXXX tickets from XXXX  for an event listed as XXXX XXXX XXXX  on XX/XX/year>. This event did not exist. The last performance of Opry Country Classics occurred on XX/XX/year>. The actual event on XX/XX/XXXX was XXXX XXXX, which is a different show and priced significantly lower through the official venue. 

I contacted the merchant within XXXX hours requesting a refund and did not accept or access any tickets. On XX/XX/XXXX, the merchant sent an email correcting the event to XXXX XXXX, confirming the original listing was inaccurate at the time of sale. The merchant refused to provide a refund. 

I disputed the charge with Bank of America under misrepresentation and merchandise not as described. The dispute was denied. I then submitted a formal written rebuttal with additional evidence in late XX/XX/year>. Bank of America has since indicated that the claim has been reopened ; however, the disputed charge has been reposted to my account and is currently accruing interest while the investigation is pending. 

I am concerned that interest and fees are being assessed on an amount that is under active dispute review. I have not received written confirmation of the reopened investigation timeline, reason code classification, or whether interest will be reversed if the dispute is resolved in my favor.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to Jefferson Capital Systems. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Jefferson Capital Systems to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX, I'm VA XXXX. I filed a complaint against SOFI with CFPB regarding unauthorized charge on my credit card because they refused to removed those charges. Sofi retailed against me and closed my checking account without my knowledge or sent me a notification as the reason to why they closed my account. I had some fund in my account and I was expecting an automatic deposit to pay for my bills. I can't pay my bills because they closed my account or even talk to me. These situation is going to cause some financial problem for me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter is a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following : The amount of the debt, including an itemization of interest, fees, or other charges The name and address of the original creditor Copies of any documentation bearing my signature that show I am legally obligated to pay this debt Proof that you are authorized to collect this debt The date of the alleged default and the date the debt was obtained by your agency Until you provide the requested verification, you must cease all collection activity, including reporting or continuing to report this debt to any credit reporting agency. 

This request is not an acknowledgment of liability nor a refusal to pay, but a request for validation as provided by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
On XX/XX/year>XXXX  I notified Citi Group of a transaction that was not authorized from XXXX XXXX After this I requested a new card to prevent new transactions. After getting my first new card, another transaction of {$520.00} happened on XX/XX/year>, so I contacted their support and they suggested a slightly different process in a " lost or stolen card '' scenario, which I did. Then later that same month, another transaction {$2000.00} was approved on the exact same account. So, I requested yet another credit card. That was 3 different new cards and still the transactions kept coming through and they continued to approve them stating that I am responsible. I am currently at a grand total of {$3000.00}. 

Below is a copy of the first dispute details. 
Dispute Details Case ID XXXX Reason for Dispute Goods/ services not as expected Card details Card ending in - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
Account Number To Whom It May Concern, I am writing in response to your communication dated XX/XX/year>, regarding the alleged debt referenced above. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide the following : 1. The amount of the alleged debt, including an itemization of any interest, fees, or other charges.

2. The name and address of the original creditor.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of any judgment, if applicable.

5. Proof that your agency is licensed or authorized to collect debts in my state.

Until this information is provided, please cease all collection activities and communication regarding this account.

This request is not a refusal to pay, but a request for verification. Any attempt to report this debt to a credit reporting agency without proper validation may constitute a violation of federal law. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I disputed multiple Affirm accounts in XX/XX/XXXX after discovering inaccurate and contradictory credit reporting. 

These accounts are reported as charged off, yet they simultaneously continue to report a past due balance and ongoing delinquency. An account that has been charged off can not also remain past due, as the charge-off represents the creditors accounting determination that the balance is uncollectible. 

After my disputes, XXXX verified the accounts without correcting this contradiction. Instead, Affirm updated the accounts again in XX/XX/XXXX to reflect a charge-off while still reporting the same past due amounts. 

I requested clarification on how an account can be both charged off and past due at the same time. No meaningful explanation was provided, and the inaccurate reporting continues to cause ongoing harm. 

I am requesting that these accounts be corrected to reflect accurate reporting or deleted if they can not be accurately reported, in accordance with the Fair Credit Reporting Acts requirement to maintain maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kora Financial
State: IL

Complaint narrative:
Re : Account Number To Whom It May Concern, I am writing in response to your communication dated XX/XX/year>, regarding the alleged debt referenced above. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide the following : 1. The amount of the alleged debt, including an itemization of any interest, fees, or other charges.

2. The name and address of the original creditor.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of any judgment, if applicable.

5. Proof that your agency is licensed or authorized to collect debts in my state.

Until this information is provided, please cease all collection activities and communication regarding this account. 

This request is not a refusal to pay, but a request for verification. Any attempt to report this debt to a credit reporting agency without proper validation may constitute a violation of federal law. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Response letter 1 I understand [ your ] statement investor may require an escrow analysis to be completed as a condition prior to your loss mitigation workout offer. 
As I have stated numerous times THE ESCROW ACCOUNT IS IN DISPUTE. 
To reiterate again I pay [ my ] own property taxes and has a XXXX balance owed you have the documents. 
The escrow analysis or about [ your ] purchased property insurance is long overdue and unreasonably late considering [ I ] asked for it in XX/XX/XXXX. 
Moreover, and more than likely the analysis will be disputed, as the property insurance amount is being disputed at the present time, because of false data being used and calculations being skewed or false. It is imperative to exempt the escrow account and ALL late fees from the note pay-off amount because of being disputed. I will be working very closely with XXXX # XXXX at XXXX XXXX to pay-off just the note. I shall refuse to pay [ your ] purchased property insurance after XX/XX/XXXX. 
Response letter 2 In this letter [ you ] are referencing [ my ] mortgage payment. You received {$170.00} ( principal and interest ) is the regular payment and is required to be accepted and applied to the note balance, because the escrow account is and has been disputed and will continue to be disputed until all administrative remedies have been pursued, if no remedy is agreed upon then legal action may be pursued. I am NOT sending a copy of your letter received as you are requesting, you absolutely are required by law to be retaining any documents for discoveries if legal action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I was charged by XXXX for {$66.00} on XX/XX/year>. I ordered thinking it was a reputable company but later found out they scam people by saying you can do returns and then when you get the items they dont allow you to return them if the items are not good quality, I spoke to the company to try and resolve the issue with my goods, not being good quality and being broken. They denied me a return and try to get me to pay more money. I contacted DCU for dispute and DCU said they found the purchase to be valid. The purchase is not valid.

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 2026-01-28 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: PA

Complaint narrative:
This morning I saw that inaccurate late payments are still appearing on my credit reports and I am extremely frustrated because I do not understand why they remain. Refreshing my browser did not remove them, and this ongoing issue needs to be resolved immediately by carefully reviewing all of the documents I already submitted so I never have to stress about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
on XX/XX/XXXX I purchased what was described as a XXXX XXXX XXXX  through XXXX in the amount of {$2000.00}. upon receipt of the watch, I took it to get authenticated and sadly the watch was a counterfeit. I immediately contacted the seller, XXXX, and PayPal. Since the purchase was paid with my PayPal credit account, I opened up dispute with them. I provided the document showing the item is counterfeit, provided communication from the seller. PayPal advised I had to wait 7 days to receive response from the seller, they then provided me with an address to ship the item back, I requested they send me a paid label however they did not provide me with one, so I had to pay an additional {$150.00} to have the item shipped. item was shipped back on XXXX with estimated delivery date of XX/XX/year> ( see attached ). I have fighting to get my refund since then ; I have been extremely patient. On XX/XX/XXXX I received an update that I would receive an update within 72 hours and I have yet to receive anything. I have made several calls with no resolution. I am asking for my due refund of {$2000.00}. pleas help, see all attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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