vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-13 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is a very stressful situation. I feel violated.

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 2026-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: WA

Complaint narrative:
U.S. Bank applied or increased default interest on my mortgage account due to alleged back taxes and/or payment issues, but I have not been provided clear written notice, an itemized explanation, or online account access to verify the charges. 

Instead of receiving a clear written explanation, I received a voicemail. I do not have online access to review statements, notices, payment history, escrow/tax activity, or the calculation of default interest. 

I am requesting that U.S. Bank provide a written explanation of the default-rate provision being relied on, the date default interest began, the default interest rate being applied, the tax/escrow basis for the charges, all notices allegedly sent, a complete transaction history, and a current itemized reinstatement/payoff breakdown. 

I am also requesting that U.S. Bank explain why I do not have online access and provide a reliable method for receiving statements, notices, payment history, and account records going forward.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: UT

Complaint narrative:
US Bank has called me a couple of times in the past XXXX weeks. I also received a statement from them over the weekend saying I have a checking account opened with them in my business name that I never opened. They have frozen the account and I talked to the fraud department today. They have my DOB, home address, business address, business tax id, social security number. Not sure what to do and how to prevent this from happening further. They attempted to deposit a check into this account they opened in my business name on XX/XX/year> in the amount of {$9900.00}. I received a couple of suspicious calls from this number XXXX saying it was my actual bank BMO. I answered XXXX time and the call seemed very suspicious and I hung up and blocked this number.

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 2026-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION
State: NM

Complaint narrative:
XXXX XXXX of 2026 I applied for a loan for XXXX with Amerisave to pay off some credit cards and to do a home improvement project. They required several documents ie income tax returns both personal and my XXXX  that I own with my husband.They have software that communicates with you via text or emailed this software does not function properly, In fact they are still sending document request asking me to upload information they need, The title of the email say if you don't send this info to us it will delay the closing of you loan. 
They denied by loan XXXX. It was verbal not written. The entire process was very painful it looked like the loan was going to close they even had an appraisal done. At the late minute the investor did not like the fact that our business bank account was in the same master command account as our personal and XXXX at XXXX XXXX. I had to send them 12 months of bank statements for the corporation to prove that the my personal and business accounts were completely separate. In the end they wanted us to create separate bank account for our business. This information was not in writing just verbal as always. To add our loan office was not available most of this period which delayed the process.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Collection Account # XXXX Collection Company : Sunrise Credit Services ( listed as Sunrisecred ) Original Creditor : XXXX XXXX XXXX XXXX XXXX Credit Bureau : XXXX  Account Number : Ending in XXXX Status : Closed Collection Balance : {$150.00} Date Assigned : XX/XX/year> Date Reported : XX/XX/year> Contact : XXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX ) XXXX Potential issues for CFPB XXXX : Request complete debt validation. 
Request proof of authority to collect and complete payment history. 
Request investigation of any inaccurate or incomplete reporting. 
Requested Relief Please investigate the accuracy and completeness of these collection accounts. If either furnisher or collection agency can not substantiate the reporting with competent documentation, request correction or deletion of the inaccurate information in accordance with the Fair Credit Reporting Act and other applicable law.

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 2026-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CreditNinja Lending, LLC
State: CA

Complaint narrative:
I borrowed XXXX dollars and payed for months every 2 weeks a total of XXXX dollars and after many payments they claim i still owe over XXXX XXXX dollars

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 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I requested to get my final bill and close my account. I never wanted a Citibank card. XXXX transferred my card to them without my knowledge and now they are telling me I am past due but I have never received any information. 

When I tried to get access to my account they wanted me to tell them everything including my mother 's maiden name and a lot of personal information. I had already given my social secruity number, my address, and they still wanted more. I told them I wasnt comfortable I just wanted my account closed. They said they couldnt do it without getting all of my personal information. 

I said so you refuse to help me unless I give you this information? And then they said they wont answer that question. I said so you will help me? And they said no. And I said so you refuse? And they said they wont answer that question. I was on the phoen for 3 hours. They had my account. They told me they went ahead and closed my account and would send me a bill. 

A fews days later I got an email saying I was past due on my Citibank account and then I got a welcome to Citibank PHONE CALL and they explained on that call I was past due.

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 2026-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP
State: IN

Complaint narrative:
b'I purchased a home on XXXX and due to unforeseen circumstances had to file for bankruptcy about 3 years later I had asked my attorney to reaffirm on my home and later found out he failed to do so, but I continued paying my mortgage and never missed or was late on a payment and was able to pay my home off in XXXX XXXX years instead of the 30 year term that was listed on the mortgage, during this time I was told by US bank that the only way to get my home to report to my credit would be to refinance or pay it off and I also had to call in my payments monthly as I could not make on line payments. I paid off my home on XXXX and kept checking my credit report weekly to about the 60 day point at which time I contacted US bank and was told by a representative that they would not report my payoff to the credit bureaus period even though I had been told for the past 5 years that they would if I refinanced or paid it off, At that point I asked to speak with a supervisor who reiterated the same thing and I am really not understanding this and truly feel that this is unfair and would greatly appreciate any assistance that you could give me in resolving this matter.'

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 2026-07-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2026-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN

Complaint narrative:
I am formally disputing this alleged debt. I do not acknowledge responsibility for this account because I never lived at the apartment associated with this claim and I believe this account is the result of fraud or inaccurate reporting. 
Your handling and reporting of this alleged debt has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692c restrictions on improper communications and collection practices ; 15 U.S.C. 1692g my right to receive proper validation of the alleged debt ; 15 U.S.C. 1692e prohibition against false, deceptive, or misleading representations in connection with debt collection.

I requested proper validation of this alleged debt, but I have not received sufficient proof showing that I am legally responsible for this account. I dispute the accuracy and validity of this debt and demand that you cease collection of 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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have received a letter from US Bank for Varification purpose, saying that a Checking a/c application, which they were unable to open, but after calling the Bank they informed that there is an account already opened on XX/XX/year>. Therefore, I visited the local branch of the bank and came to know that my indentification stolen and opened an account. The branch has filed an fraudelent complain within their bank and suggest to me file the case to this site also.

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 2026-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Car was insured and paid off but is still showing up as a repossession on my account which is not true. The company claims the car was repossessed but it was totaled and I had insurance on the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I reached an agreement to pay a debt of {$3800.00} up till XX/XX/year>. I am honoring the agreement reached by making payment within the payment window but to my surprise they changed payment portal without informing me about the change and I called to speak with a representative but to no avail. Also, I realized the outstanding amount owed is not reflected in the payment portal set by the debt collector. Furthermore, I reached out to them to express my concerns only for me to be hearing some funny statement that we have to reach another agreement which to me is inappropriate, inaccurate and fraudulent. The associate I spoke with XXXX XXXX at XXXX XXXX. 
I am planning to expedite the balance of payment remaining ( {$2700.00} ) which is still within the deadline for my final payment of XX/XX/year> ). As at today that I am lodging this complaint, I called with the intention of paying {$1000.00} to reduce the outstanding balance to {$1700.00} but because the previous payment of {$1100.00} paid so far is not accurately captured. I am losing confidence in making further payment when I am not certain it is going to be adequately account for.

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 2026-07-13 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> funds were added to my account from mine and my grandmothers care provider jobs at this point my account had reached an all time high with amount of currency that was in there amounting to {$9600.00}. Money from savings, checking 's, and cash advance credit had been completely wiped from my account XX/XX/year>. The incident that led to this was the phone call I had gotten early that morning, I was told by the person on the phone that my local branch had a breach and there was a risk of my money being taken from my account unfortunately that along with the scammer " verifying '' that they were U.S. Bank led me to a false sense of security and the funds were wiped.

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 2026-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Transunion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for the Citi / AAdvantage XXXX XXXX XXXX XXXX Mastercard through the XXXX XXXX website while purchasing airline tickets. The attached screenshot shows the card being promoted during the booking process with travel-related benefits, creating the reasonable expectation that an instantly approved customer would be able to use the card immediately to complete the purchase. 

I was approved instantly, but after approval I learned that I was not eligible for temporary digital card access and had to wait for the physical card to arrive. At no point during the application process was it clearly disclosed that immediate access was not guaranteed. 

This lack of disclosure directly affected my decision. At the same time, another XXXX XXXX credit card offer with a higher welcome bonus ( XXXX miles ) was available. Had I known that I might not be able to use this card immediately, I would have selected the alternative offer instead. Because I could not wait a week for the physical card while airfare prices were increasing, I had to purchase my tickets using a different Citi credit card. As a result, I lost the opportunity to use the offer that influenced my decision to apply. 

I contacted Citi customer service twice and later escalated the matter to Citis Executive Response Unit. Citi confirmed that my account was not eligible for temporary digital card access but would not explain the reason beyond stating that eligibility is based on internal criteria. They acknowledged my feedback but did not address my concern that the application process does not clearly disclose that instant access is not guaranteed.

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 2026-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I am requesting a complete investigation and verification of all reported information, including the account balance, account status, dates reported, and accuracy of the collection details. If the information can not be verified as accurate and complete, please remove the account from my credit report.

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 2026-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I moved out of XXXX XXXX apartments in XX/XX/year>. They did a move-out but mistakenly had that I owed money. They have tried to make the collection company recall and remove the account sine XX/XX/XXXX. But the collection company has not responded to them. I request this be removed immediately

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 2026-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I opened a Bank of America credit card account and never received any billing statements. I previously contacted Bank of America to report that I was not receiving statements and requested that the issue be corrected. 

Recently, I received an email notifying me that my credit line had been reduced. This demonstrates that Bank of America was able to successfully deliver account-related emails to me. After receiving that notice, I conducted an extensive search of my inbox, deleted items, spam, and junk folders and confirmed that I had not received any billing statements. 

I do not understand how the bank could successfully send a credit line reduction notice but fail to provide the billing statements necessary for me to know my balance, payment amount, and due dates. Without receiving statements, I was deprived of the information needed to manage my account and make timely payments. 

I am requesting that Bank of America investigate why I did not receive billing statements, explain how statements were sent, explain the basis for the credit line reduction, and correct any adverse consequences that resulted from its failure to provide my billing statements after I reported the issue.

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