vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I believe these inquiries were made without my permission. Please look into the matter. Documentation is 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 explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
This account just appeared in my credit claiming a debt from XXXX that I have no knowledge and it forms part of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I contacted Citi to access my credit card statements online as they were unavailable. I reached out numerous times and finally I wrote a better business bureau complaint. The complaint stated that I needed my credit card statement in order to file my taxes. I received a letter and a call from the XXXX management team on XX/XX/XXXX from Citi stating in writing ( attached ) and on the phone that the statements would be available online on XX/XX/XXXX. To date they still have not been provided which it is preventing me from filing my taxes. I called the XXXX management phone number which rings and then hangs up. This is absolutely unacceptable. How a bank is able to flat out lie and mislead its customers and impede my ability to file my taxes because they aren't providing me my credit card information. This needs to be rectified ASAP!! Thank You in advance for your assistance with this matter. XXXX 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 explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year> a company called XXXX withdrew {$190.00} from my account. I called TD bank they refused to help. TD XXXX XXXX XXXX XXXX Thats what is on the bank statement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Company Being Complained About : I.C. System, Inc ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX Disputed Balance : {$870.00} To the Consumer Financial Protection Bureau, I am filing this complaint against I.C. System, Inc for failure to properly validate a debt and for reporting inaccurate or unverifiable information to the three major credit bureaus XXXX XXXX XXXX XXXX Description of the Problem : I.C. System, Inc is reporting a collection account of {$870.00} on my credit report, originally from XXXX XXXX XXXX. I have formally disputed this account with all three credit bureaus and sent a debt validation letter directly to XXXX. System via certified mail on XX/XX/year>. I am requesting CFPB intervention for the following reasons : 1. I.C. System has not provided the original signed contract or agreement with XXXX XXXX XXXX 2. I.C. System has not provided documentation proving they are licensed to collect in the state of Georgia 3. I.C. System has not disclosed the exact date of first delinquency with the original creditor, which determines the legal reporting window under FCRA 605 4. I.C. System has not provided a complete chain of custody showing how ownership of this debt transferred from XXXX XXXX XXXX to I.C. System 5. The statute of limitations under Georgia law on open accounts is XXXX years I am requesting verification this debt is within the legally collectible period

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/year> Freedom Mortgage company sent a check for {$5200.00} from my escrow account in error to the precious home owners XXXX company. I called Freedom Mortgage as soon as I saw an email notice of payment and was told that a case was being opened and that I would hear back within a few days of the resolution. A week later I proactively called and was told there was nothing on file and that an escalation ticket was being opened simply to have someone " with authority '' to call me back when they could. XXXX day later I received a call and was told that there would be extensive research and that if Freedom Mortgage deemed it necessary to refund the money that was sent in error that in a best case scenario it would take several months to receive that refund and that due to escrow shortage, if my payment was recalculated to pay for this insurance that I would have to pay this until it was resolved or until I paid for someone else 's insurance.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: WV

Complaint narrative:
Had wanted XXXX wired to my XXXX account, after they got all the information and was to wire they stopped it because they thought the money wasnt legal but it was. Im not very happy that I couldnt do what I wanted to do with my money in my account and how I invested it. Since when does a bank tell you where you can invest your money. This was on XX/XX/year>. I went to the PNC Bank in XXXX XXXX. Then I get a call from the bank that they was investigating the funds in my account that was legal. So what Im requesting is this to be checked out to see what happened to the money that was in the account that was put on hold In XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a targeted promotional email from Citibank offering a {$200.00} cash bonus for opening a new Citi XXXX account and depositing at least {$5000.00} in New-to-Citibank Funds. The email included a unique offer code and stated that eligible customers who received the direct communication and completed the required activities would receive the bonus. I retained a copy of the promotional email. Relying on this offer, I opened a new eligible Citi XXXX account, enrolled in the promotion, deposited more than the required {$5000.00} in qualifying New-to-Citibank Funds within the XXXX timeframe, maintained the required balance throughout the maintenance period, and kept the account open and in good standing. To the best of my knowledge, I complied with all terms and conditions of the promotion. After the period during which the bonus should have been paid had passed, I contacted Citibank customer service to inquire about the missing bonus. During that conversation, I was informed that my account was allegedly enrolled in a different promotion rather than the promotion that was presented to me in the targeted email. This was the first time I was made aware of any discrepancy. I believe this is unfair and potentially deceptive. I received a targeted offer directly from Citibank, followed the instructions provided in that offer, and completed the required activities in reliance on the advertised terms. Citibank has not provided documentation showing that I knowingly enrolled in a different promotion, nor has it explained why the targeted offer I received is not being honored. I am requesting that Citibank review my account, verify my eligibility based on the targeted promotional offer that was sent to me, and either pay the promised {$200.00} bonus or provide a detailed written explanation, supported by records, showing why the offer is being denied. I have retained copies of the promotional email and can provide them upon 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 monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 non-monetary relief
Consumer complaint received 2026-06-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have found out that i was added unauthorized to an XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc

Complaint narrative:
" Chime has suspended my account and is withholding my funds. The funds are a US pension automatically deposited at the end of every month.. Chime says I do not possess the specific state-issued photo ID they require due to not being a US citizen even though they opened the account with no issue. I have offered and emailed alternative IDs but Chime refuses to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint against Resurgent Capital Services LP and LVNV Funding LLC for failure to provide proper debt verification in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ). I previously filed a CFPB complaint # XXXX disputing XXXX accounts currently being reported by Resurgent/LVNV on my credit report : Account ref # XXXX {$1400.00} Account ref # XXXX {$360.00} In response to my complaint, Resurgent provided billing statements and an account summary. This does NOT constitute to proper debt verification. Under the FDCPA, verification requires confimation that the debt collector has verified that the amount being demanded is what the creditor is actually claiming is owed AND that the named consumer is actually the person who owes the debt. Resurgent provided neither. They produced documents showing a debt exist ; they did not verify that I am the legally responsible party for these specific accounts. Despite this inadequate response, the accounts remain on my credit report, reported as disputed. I have also separtely disputed these accounts disrectly with the credit bureaus and sent written correspondence to Resuegent, all of which failed to produce legitimate verification of my personal liability. This continues to report without reporting without proper verification violates my rights under both the FDCPA and FCRA. I am requesting the CFPB require Resurgent and LVNV to immediately delete both tradelines from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony Bank caused my PayPal account to be hacked. I have, already, filed a complaint with CFPB. Synchrony has refused to close the account. This account needs to be closed immediately, but for the balance owed. Synchrony needs to be punished. XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a problem with over draft fees. I called the XXXX customer service number. I requested that they stop paying for charges when I had insufficient funds. I was told that it was taken care of. Then last week I was again charged over draft fees twice when my account didn't have sufficient funds in the account. I went in person to the branch of Wells Fargo in XXXX, FL. I spoke with XXXX who didn't try to solve the issues. Even after I explained to him about my phone call to the banks that XXXX. XXXX then told me that the customer service rep can't make any adjustments on the account. I then said that why should I have to pay {$50.00} for more over draft charges when I was lied to. He seemed indifferent. Like I was wasting his time.

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 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Hi, I am trying to find out why Synchrony Bank has closed my XXXX store card account. In the letter they gave XXXX or more of XXXX reasons that are not correct. Too many revolving accounts with high balance This is not true the most I own on any card is under {$200.00} Delinquent or derogatory real estate Not true Too many bank cards with high balance Not true highest {$200.00} Too many inquiries Not true They also said my credit score is XXXX when the account was closed XX/XX/year> Not true my score is over XXXX. I dont know what to do next, the account closing is going to affect my credit score that I am trying my hardest to rebuild.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PROVIDENT FUNDING ASSOCIATES
State: AZ

Complaint narrative:
XXXX issues. One I was sent closing docs multiple times and wired all of the money needed to close our loan on XX/XX/year>. Then on XX/XX/year> XXXX suddenly said they needed me to urgently wire another {$1300.00} or the close will not happen. ALL of the docs say that there was a 'lender credit ' for excessive fees, or fees over the max. It was EXTREMELY unethical and a HUGE oversite for Provident to NOT be ready at the time of close and then to request extra funds that were previously shown as a credit. Second they have SOLD OFF MY INFO TO EVERYONE. Each day I am received XXXX JUNK MAIL pieces of just complete XXXX at my house with their name all over it. I didn't authorize this. They have inundated us with scammers, fraud and companies that are attempting to take advantage of the purchase of our new home with all kinds of garbage deals. I want Provident held accountable for failure to be transparent in the closing fees, and then selling off our information without our consent. Due tot he extreme amount of junk mail and spam and the stress caused by their failure to correctly provide loan docs causing time lost and misleading information I would also like them to refund to me the {$1300.00}. My time is valuable and their lack of oversight and failure to protect and care for my personal information is INEXCUSABLE. * * Please note our broker/agent was fantastic - BUT PROVIDENT THEMSELVES IS HORRIFIC!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
On XXXX XXXX me and my husband called Vanderbilt about helping us with our home to keep it. Bc I got XXXX back in XXXX bc we couldn't afford child care and my XXXX XXXX XXXX XXXX XXXXt. Of last year. We didn't afford child care or hire a reliable baby sitter which caused me to get fired from my job. I withdraw my retirement savings and that's how we have been surviving on just my husband income. But it ran out. I'm a XXXX XXXX XXXX XXXX now. We called Vanderbilt bc they gave us an extension but we have to pay XXXX dollars bye XX/XX/XXXX. And we called to tell them we surrendered one of our cars so it will help us financially to afford our home. I am filing a formal complaint against Vanderbilt Mortgage for aggressive and predatory customer service. I signed an extension on XX/XX/XXXX, both a front-line representative and a floor supervisor harassed my husband and me regarding a temporary financial hardship following the XXXX XXXX XXXX XXXX. They repeatedly interrogated us, demanding to know 'where our money went ' and telling us we should easily afford the payment. When I explicitly explained that our cash goes directly to our local utilities and vital XXXX necessities like baby formula and diapers, both individuals completely dismissed our basic living costs. I want Vanderbilt to pull the recorded calls from this period, review the abusive conduct of this agent and supervisor, and issue a formal disciplinary review for violating fair servicing standards.

Company response to consumer: Closed with explanation