vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
I have tried multiple times since I bought the car in XX/XX/year> to add a principal only payment on the XXXX website ( not the app ) and all I get is a notice that, " Your payment is in process. Edits/Cancellations are not possible for this payment schedule. Please visit our FAQ 's located in the Help section if you have any questions regarding our Payment Timeframes. '' Said payments are never processed. I am not using the phone app. I am not late on any payments. I do not have any past due amounts. I have met all the criteria for making a principal only payment, but the system will not accept it.

They consistently have a notice that, " We are currently experiencing higher than normal call volume and you may experience longer than normal wait times if calling or chatting with customer service. '' I do not have time to spend on the phone waiting to speak with customer service. 

I would like the feature that is supposedly available to take a principal only payment to actually work. It should not take XXXX months to fix a website payment glitch. 

The only conclusion I can arrive at is that they do not wish to process these payments at all. From the numerous complaints on the internet about this problem, I know I am not the only one experiencing it. 

I hope the CFPB can push this to the forefront and resolve it so people can make principal payments to lower their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: MI

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 non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/year>XXXX  I went to XXXX XXXX XXXX XXXX  with my son to purchase a vehecle. The intent was for me to be a co-signer on the loan. Both my credit score ( XXXX ) and my sons 's ( XXXX ) were taken. I ended up being the buyer and my son the co-buyer.The information was sent to Ally Financial. Ally accepted the loan and gave an interest rate based on my sons ' credit score. I questioned why was my name list as the buyer and not the co-signer but was told the information had already been sent. With mycredit score being higher I did not need to even have a co signer. I spoke with XXXX XXXX a supervisor at Ally and he blamed it on the car dealership. I asked them who approved the loan and he said Ally underwriter. I feel by giving me the higher interest rate they capitalized on making more money from the loan.I noticed therere is a document Notice the e o-signer that I only signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In XXXX, I was affected by the federal government shutdown and informed Pennymac I could not make my mortgage payment. I was told there would be no penalties or delinquency. In XXXX, Pennymac created what they called an informal repayment agreement by splitting the missed payment across XXXX, XXXX, and XXXX and required me to enroll in auto-pay. 

Pennymac changed my payment due date to the XXXX, which is not my contractual due date under my mortgage note. Even though auto-pay is active and I am making the payments exactly as Pennymac set up, my account is being reported as delinquent for XXXX and XXXX. 

A Pennymac representative told me that because this is an informal agreement, they are allowed to report me delinquent until XXXX. There is no signed modification changing my due date or allowing delinquency reporting. I am actively complying with the repayment plan Pennymac created. 

This is improper mortgage servicing and inaccurate delinquency reporting during an active repayment agreement. I am requesting that my account be corrected immediately to show current under repayment plan and written confirmation that no late payments will be reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: UT

Complaint narrative:
Company : Source Receivables Management Type of issue : Attempting to collect debt not owed / Incorrect information on credit report / Debt not validated What happened ( main complaint narrative ) I am filing this complaint against Source Receivables Management for reporting and attempting to collect an alleged debt without providing legally sufficient validation. 

I discovered a collection account reported by Source Receivables Management on my credit report. I was never contacted by this company prior to the reporting of the debt, and I did not receive the required written notice within five days of any initial contact, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

After discovering the account, I disputed the debt in writing and requested full validation. In response, Source Receivables Management provided only a screenshot of an alleged XXXX bill that contains only a first name and does not include an itemized breakdown of the actuall owed balance, proof of assignment or ownership of the debt, proof that the debt legally belongs to me, or proof that required notice was mailed to my correct address. 

This documentation is insufficient to constitute proper debt validation under the FDCPA or verification under the Fair Credit Reporting Act ( FCRA ). Despite this, Source Receivables Management continues to report the account to the credit bureaus. 

By reporting an unvalidated and disputed debt, Source Receivables Management is furnishing inaccurate and unverified information to consumer reporting agencies and failing to meet its obligations under federal law. 

I am requesting that Source Receivables Management either provide complete and legally sufficient validation of the alleged debt or immediately delete the account from all consumer reporting agencies. 

Additional details : I never received any initial written notice from this company prior to credit reporting. 

The account/reference number was not provided in initial reporting. 

The company failed to provide an itemized balance or proof of legal ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: U.S. BANCORP
State: AZ

Complaint narrative:
I booked a rental car through the U.S. Bank Rewards Center using reward points. The booking confirmation and invoice generated directly from the Rewards Center clearly state that the reservation was confirmed and paid, with a total balance of USD {$0.00} owed to the rental company. 

Despite this prepaid booking, the rental car company ( XXXX XXXX ) charged my U.S. Bank credit card {$250.00} for the same rental. 

I disputed this charge as a duplicate charge for a prepaid reservation. I provided the Rewards Center invoice showing that payment had already been completed through U.S. Banks travel portal using points.

U.S. Bank denied the dispute stating that I failed to provide proof that I paid using another method. This reasoning is incorrect and demonstrates a misunderstanding of how Rewards Center bookings work.

When a booking is made through the U.S. Bank Rewards Center, U.S. Bank ( or its travel agency partner ) pays the merchant directly on the customers behalf. There is no separate card payment receipt because the transaction was paid using reward points. The Rewards Center invoice is the only valid proof of payment. 

U.S. Bank provided no process to reopen or appeal the dispute, despite the denial being based on an incorrect assumption. I contacted customer service and was informed that the case could not be reopened. 

I am requesting that U.S. Bank be required to properly review the dispute, acknowledge that the rental was prepaid via its own Rewards Center, and issue a permanent credit for the duplicate charge of {$250.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding Citibanks improper restriction of my account and their failure to restore access despite repeated verification attempts, which has caused severe financial hardship. 

On or around XXXX, I attempted to send a XXXX payment multiple times. Citibank blocked the transaction. Shortly after, I attempted to use my debit card and was informed it was stopped due to suspected fraud. I immediately contacted Citibank several times to confirm that the transactions were legitimate. 

Despite successfully verifying my identity by providing the last four digits of my Social Security number, debit card information, and correctly answering security questions, Citibank proceeded to lock my accounts entirely. 

Citibank representatives repeatedly stated that they required identity verification through my phone number. I provided the same phone number I used to open my Citibank account, the same number listed in my online banking profile, and the same number I have successfully used to verify myself with other major banks including XXXX  XXXX XXXX and XXXX XXXX. Citibank stated that my phone number is not on public record and therefore can not be used for verification, despite it being my long-standing primary contact number on file with them. 

Citibank then claimed they sent or left an email or reference letter on XX/XX/XXXX requesting additional verification. As of today, I have not received any email, letter, or reference communication from Citibank. I have checked all inboxes and spam folders. 

Because Citibank refuses to verify me through my existing phone number and has not provided the promised alternative verification communication, I remain completely locked out of my account. 

This has caused immediate and severe harm : I can not make credit card payments I can not pay bills I can not make my car payment I do not have access to funds for basic necessities, including food I am effectively unable to conduct normal day-to-day banking or leave my home Citibank has provided no reasonable resolution timeline and no alternative verification method despite my repeated efforts and full cooperation. I am requesting immediate regulatory review and assistance to restore access to my account and funds.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, XXXX Bank of America debit card was used for multiple unauthorized international transactions while the card remained in my possession. The activity began with repeated small test charges in XXXX, XXXX ( XXXX XXXX / XXXX XXXX  ), followed by XXXX high-value transactions in XXXX, XXXX XXXX totaling {$4100.00}. 

During the same period, my debit card was used legitimately by me in XXXX XXXX, XXXX, demonstrating that the card was not lost or shared and that unauthorized third parties were simultaneously using my card information overseas. 

I promptly contacted Bank of America and filed a fraud claim on XX/XX/year>. On XX/XX/year>, the bank issued temporary credits for both the small and large foreign transactions, indicating initial recognition of potential fraud. 

The temporary credits remained in place through XXXX and XX/XX/year> while the investigation was pending. In XX/XX/year>, Bank of America reversed the temporary credits without providing a clear or consolidated factual explanation. 

The bank ultimately determined that only {$53.00} was unauthorized and denied reimbursement of the remaining {$4100.00}, despite the documented international fraud pattern and lack of evidence that I authorized or benefited from the transactions. 

I am requesting full reimbursement of the unauthorized transactions totaling {$4300.00} and a written explanation detailing the investigative basis used to deny reimbursement of the remaining amount.

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 2026-01-27 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 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 non-monetary relief
Consumer complaint received 2026-01-27 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: NRA Group, LLC
State: IN

Complaint narrative:
This morning I woke up with a call a report on my credit for {$1100.00} that I was not aware Im still not aware where it has come from. Ive tried getting as much information on it as I possibly can long story short, the account does not belong to me. I have made complaints before in regards to somebody using my credit and Ive had to report multiple things off of my credit from somebody else using my credit. I would like to have this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: GA

Complaint narrative:
Company : MRS BPO , LLC Original Creditor : XXXX Account Number : XXXX Complaint Type : Debt collection / Credit reporting / Harassment / Incorrect information on credit report What happened I am filing a complaint regarding MRS BPO, LLCs unlawful debt collection and credit reporting practices. 
On XX/XX/year>, I disputed an alleged XXXX debt with MRS BPO , LLC in writing via email and requested full validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I also demanded that they cease unauthorized communication with third parties. 
MRS BPO , LLC never responded to my dispute and never provided any validation of the debt. Despite this, they reported the account to my credit report. 
Reporting a debt after it has been disputed without first providing validation is a violation of the FDCPA ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). The balance reported is inaccurate and unverified.

Additionally, prior to reporting this account, MRS BPO , LLC sent text messages regarding this alleged debt to family members who do not live with me. This constitutes unauthorized third-party contact and is a violation of 15 U.S.C. 1692b and 1692c.

What I want the company to do to fix the problem I am requesting that MRS BPO , LLC : Immediately delete this account from all credit reporting agencies Provide written confirmation that the account has been removed Cease all collection activity related to this alleged debt Cease all third-party communications Ensure this account is not re-reported unless proper legal validation is provided Supporting documents attached Copy of my written dispute email sent to MRS BPO , LLC Screenshots of text messages sent to me and my family members Copy of my credit report showing the reported account Additional information This debt has never been validated, the amount is incorrect, and the company failed to respond to my dispute before reporting it. I am requesting the CFPBs assistance in resolving this matter and preventing further violations of federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Apple Law Group, Inc.
State: KS

Complaint narrative:
Someone keeps hailing into all my accounts and trying to take loans out in my name and use my legal name

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Urgent Complaint : Post-Opening Account Closure Causing Housing Hardship To : Consumer Financial Protection Bureau ( CFPB ) Complaint # XXXX From : XXXX XXXX XXXX XXXX XXXX. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX FL, XXXX Email : XXXX Date : XX/XX/year> Bank : Truist Bank Branch Location : XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Account Number : XXXX ( business ) / XXXX ( personal ) Complaint : I opened a new checking account at Truist Bank on XX/XX/year> at approximately XXXX XXXX  at the XXXX XXXX XXXX XXXX XXXX . The following morning upon trying to access my online and mobile app features, I was informed that the account was restricted and to call XXXX and then transferred to XXXX where I was informed my account would be immediately closed due to a review by XXXX XXXX XXXX ( XXXX  ). 

I was told the funds would be returned via cashiers check, but the bank indicated this could take up to seven ( 7 ) business days. This delay is directly impacting my ability to meet an imminent lease obligation due on XX/XX/year>. 

Despite repeated requests for assistance, including escalation to the fraud department supervisor XXXX, I have been informed that Truist can not expedite the cashiers check or provide any form of verification of funds availability. 

Requested Resolution : Immediate intervention by Truist Bank to provide a written confirmation on official letterhead that funds are available and being returned via cashiers check. 

Expedited issuance ( to be procured at local branch ) or delivery of the cashiers check to prevent loss of housing or other economic harm due to breach of contract etc. 

Review and clarification of Truist Banks policies regarding informing customers of potential risks; opening new accounts and/or accepting initial deposits into those recently opened accounts until all measures of ensuring that there are no potential issues, fraud or other unknown hindrances are addressed, and post-opening account closures through XXXX, particularly when funds have already been deposited to prevent issues like this from occurring in the future. 

Any other relief deemed appropriate by the CFPB to prevent further financial harm caused by the banks actions. 

Additional Information : This closure is not due to any illegal activity or misuse of the account on my part. 

I have documentation of the initial deposit and account opening receipt. 

The bank has refused all immediate solutions, including in-branch or expedited cashiers check issuance. 

Signature : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
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: OH

Complaint narrative:
COLUMBIA DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research COLUMBIA DEBT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I am formally disputing the reporting of late payments for XXXX and XX/XX/year>XXXX  on my federal student loan, furnished by the Department of Education and/or its servicer. 

I did not receive any notice by mail, email, or other means of any missed payment. Had I been notified, I would have made the payments immediately. I only became aware of this issue after reviewing my credit report, and when I attempted to access my account online to resolve it, I was unable to log in or reach a representative through phone attempt until XXXX. 

Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act, furnishers of information are required to conduct a reasonable investigation when a consumer disputes information. Because I was not properly notified and had no opportunity to address the alleged missed payments, the reporting is inaccurate and unverifiable. 

I am requesting that the credit bureaus remove the 90-day and 120-day late payment marks if they can not provide proof that proper notice was given. 

Please provide written confirmation of your investigation and any corrective action taken.

Company response to consumer: Closed with explanation