vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX and per my lease agreement I can break lease. I left this rental property for the safety of myself and children. I have provided proper documentation to support this request of removal and have not received anything from collector or original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: CT

Complaint narrative:
Volkswagen Credit acknowledged in writing that it received the full payoff for my vehicle and accepted all corrected documents required for title release. 

Despite this acknowledgment, Volkswagen Credit failed to release the lien or issue the title within a reasonable time as required by XXXX XXXX. 

On XX/XX/XXXX, I served Volkswagen Credit with a formal Cease & Desist and Demand for Lien Release via fax and legal notice, providing a XXXXXXXX cure period. That deadline expired on XX/XX/XXXX with no written response and no title release. 

Multiple supervisors ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ) confirmed payoff and document acceptance during recorded calls. 

Volkswagen Credits continued failure to release the lien impairs title, exposes me to wrongful repossession risk despite a XXXX balance, and constitutes non-compliance after formal legal notice. 

Requested resolution : Immediate lien release Immediate issuance of title or electronic lien termination Written confirmation that the account is paid in full Removal of any repossession indicators

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I noticed a drop in my credit score over the weekend by XXXX points. Called XXXX and and told I have XXXX things being charged off on my credit report with XXXX XXXX, I believe for {$500.00} and {$300.00}. I never applied for anything and the imposter I was told used my info to purchase airline tickets in XX/XX/year>. I never took out a loan or even heard of upgrade inc prior to this weekend. I would like to report fraudulent activities under my name and have these items cleared and have my credit restored please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank charged XXXX overdraft fees incorrectly, even though sufficient funds were made available in my account at the time the transactions were authorized and/or posted. 

The overdraft fees appear to have resulted from incorrect transaction timing and/or posting order, which does not align with how transactions were presented to me or with my understanding of the account agreement. 

These incorrect charges caused unnecessary XXXX XXXX XXXX XXXX 

I am requesting a full refund of all XXXX overdraft fees and confirmation that my account activity was handled in accordance with the banks policies. 

Transactions reference date - XXXX overdraft fee on XXXX XX/XX/XXXX and XXXX overdraft fee on XXXX XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I paid out XXXX to Capital One and later on the day they ruturned My payment and money and when I called them result money was taken again from My account. i called XXXX and says money suppost to be there the problem is they can't make me any type of letter to send to Capital One SO they can refund me the money I'm tired i been calling and calling and they don't provide me the right way to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Chime Financial Inc
State: WI

Complaint narrative:
I attempted to order a metal home card, however the in-app process didnt work so I purchased an upgrade over the phone with an agent from chime bank on XXXX, the agent manually authorized a pulled the {$52.00} out of my account. I called on XXXX asking where the card is at in the delivery phase and they said that it was cancelled on the XXXX through the app. However I never cancelled the card and now they wont issue me a card z ( want another & XXXX ) or give me a refund. 

This is totally unacceptable, and I have heard of numerous complaints similiar to my issue from other people. This is literally a bank stealing XX/XX/XXXX from people, this should not be accepted or tolerated from a legal standpoint.? 

The agent pulled XX/XX/XXXX out to make the payment, then cancelled the card I paid for on purpose to keep {$52.00}. Something better be done about this. 

I am to nervous to attempt and purchase the metal upgrade for a XX/XX/XXXXtime as I cant really afford to keep paying {$52.00} for them too just cancel and keep the money. This is actually disgusting. 

The reference XX/XX/XXXX for the call on XXXX is XXXX if they werent lying about it. 
They said they dont have the reference XX/XX/XXXX from the call on XXXX or provide any other info on the day that they made a transaction manually out of my account for the card. 
Now the XX/XX/XXXX is gone and I dont have my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: NV

Complaint narrative:
UFB Direct uses XXXX to show balances from other bank accounts on their websites. 

The issue that started sometime last year with XXXXXXXX XXXX  information. I have CDs with them and the balance is transferred to UFB direct, but the balances are always the next month 's balance not the current blance. This doesn't happen with other banks CD blances. 

Sometime last year, this started to happen before that it worked correctly. 

I've called customer service a few times to try to discuss this issue and they don't seem to understand the issue at all. 

XXXX XXXX does not use XXXX software so when I talk with them, they don't really know what i'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a HELOC with TD Bank ending in XXXX on XX/XX/year> for {$63000.00}. We only used it twice, the last time for {$39000.00}, so we decided to close it. I called them for a payoff amount for which I sent them a check and the account was confirmed as closed. Then, months later, they apparently discovered a {$1.00} ( not a typo ) trailing fee which they say I was billed for but did not pay. Because of this they have listed me as delinquent. I am a XXXX year old retiree with XXXX in liquid assets and securities who has never been late on a payment in my life and paid this account in full based on information they provided me. They have refused to reconsider the matter and so far have not provided me any documentation as to why this late trailing fee was generated or proving that I was actually billed for it. I am trying to buy a new home and this is ruining my credit so that I can't get a mortgage. 
HELOC : XXXX Acct No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I received a HELOC from Truist Bank. I've made my payments on time every month, but recently Truist started misallocating my payments. 

I spoke with a representative as soon as I discovered the issue, who confirmed it was bank error and said they resolved the issue. The next month, I noticed the payments were still being misallocated. I spoke with another rep, who confirmed the bank error and said it had been corrected. This is all on record and logged in their XXXX system. 

This payment misallocation has happened every month since XX/XX/XXXX, and now they are showing the account delinquent by XXXX  months, despite having all my payments on record. They continue saying it was a bank error and payments are being misallocated, but it's happened for several months in a row and they haven't even attempted to resolve it. Ive met with XXXX, supervisors, in person and over the phone, with no success in resolving this. 

I believe this is negatively impacting my credit, which is unacceptable, considering I make all payments on time, for ALL my bills, and have an excellent credit score with no late payments. I shouldn't have to suffer because of their repeated and admitted " bank errors ''.

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 2026-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have not been in a rental, not even XXXX weeks and I have been charged {$500.00}. The date on my paper work says XXXX XXXX,2026 I wasnt even in a rental during that time. Also the rental I was driving has been paid for by XXXX the other drivers insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This account is unfamiliar to me and appears to have been reported incorrectly on my credit file. I did not open or authorize this account, nor do I have any association with it, which leads me to believe it was reported in error. I ask that you carefully review and correct this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: East Alabama Title & Escrow Services, LLC
State: AL

Complaint narrative:
Due to my trust account they all the Bank failed to provide me interest off trustee account instead they it pass out by federal reserve bank identity theft an wire fraud stolen asset illegal payroll company not file tax on they company assets here requires full payout XX/XX/XXXXXXXX Bank close down an seize all Bank account asset an payroll service which using funds from my trust account to pay them payment not given me dime

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: MS

Complaint narrative:
I called in to report my card lost. 
At the time of that report the agent asked me to update my information to which I complied. 
I paid an additional fee to have my card expedited. I am now unable to activate my card and my case has been put into fraud prevention. 

I waited on hold for XXXXXX/XX/XXXX and finally was able to speak with an agent who was unable to assist me. I then waited an additional XX/XX/XXXX to speak with a supervisor who simply yawned and told me to hang up and try again. 

I was told to send in a picture of my ID. I did this XXXX times. The supervisor was unable to verify that I had sent the ID in even after I verified my case number. 

My child has grade XXXX XXXX XXXX and is XXXX. We need our funds immediately to cater to his medical needs. XX/XX/XXXX is not willing to help with this matter at all. 

Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I received a call from XXXX bank, it fact it was a scam. 
They had me believe that my account was hacked and I had to zelle them money to insure that it was not hacked. I was duped. I called XXXX bank myself and told them what happened. They filed a report. I gave them XXXX from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: CA

Complaint narrative:
I have a XXXX branded Citi visa credit card. I took advantage of the 0 % balance transfer offer that the card offered. While that particular offer was good and works fine, there is a caveat in the terms and conditions that is not very clear where any other additional charges I make monthly on the card are immediately subject to interest. While I understand that it may have been buried under the terms and conditions, it should be made very clear that this is the case when pressing the button on the balance transfer. I think it is misleading and a bit deceiving that even after I pay off the charge immediately after it is posted that I get charged interest and that the interest accrues even when the charge is pending but I cant pay it off until after it becomes permanent. That part makes it a bit predatory also as I have no way of avoiding the interest charge even if I pay it as soon as it is posted.

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 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am submitting a new complaint because my mortgage servicer, NewRez LLC XXXX Shellpoint, continues to report a XXXX late payment for XX/XX/2025 that is inaccurate. 

I previously filed a CFPB complaint regarding this issue, which remains unresolved. Despite multiple disputes and requests, NewRez has never provided an ACH return code, bank trace, or any documentary proof that an XX/XX/2025 payment was returned or unpaid. 

My XX/XX/2025 bank statements ( attached again ) show sufficient funds and no returned payment. The servicer appears to have misapplied or misattributed an unrelated payment issue to XX/XX/2025 and is continuing to furnish inaccurate information to XXXX 

This inaccurate reporting is materially harming me, including delaying my ability to qualify for a mortgage. 

I formally request that NewRez either : Provide documented proof of a returned XX/XX/2025 payment ( ACH return code, date, and bank confirmation ) that shows this is related to XXXX payment, or Correct all credit bureau reporting by removing the XXXX late payment for XX/XX/2025. 

If NewRez can not substantiate the delinquency with documentary evidence, continued reporting constitutes a violation of the Fair Credit Reporting Act.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting and/or collection activity regarding the above-referenced account. This letter constitutes a formal dispute of the alleged debt and a request for full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I dispute this account in its entirety. I do not acknowledge any liability for this alleged debt.

Please provide competent evidence that establishes the following : Proof that I am the person legally obligated for this debt, including accurate identifying information used to associate this account with me ; The name of the original creditor, the original account number, and the date the account was opened ; The date of default and the date the debt became delinquent ; A complete itemization of the amount claimed to be owed, including the original balance, all interest, fees, payments, credits, or adjustments ; A copy of the original signed contract or service agreement creating the obligation ; Documentation proving your authority to collect and report this debt, including the full chain of assignment or bill of sale showing transfer of ownership or authorization ; and Proof of your permissible purpose under the FCRA to report this account to consumer reporting agencies. 
Please note that account statements, screenshots, or internal data summaries are not sufficient to constitute proper validation. 
Until the above documentation is provided, you are required to cease all collection activity and credit reporting related to this account. If you are unable to provide the requested validation, you must delete this account from all consumer reporting agencies to which you report and confirm deletion in writing. 
Any continued collection or reporting of this account without proper validation will be documented as a violation of federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Received a mail from debt collector on XXXX, acting on behalf of XXXX demanding a payment of {$200.00}. 
Replied to the debt collector on XXXX stating that I will be contesting the debt collection attempt. Completed the section of the form included in the mail stating that I will be contesting the debt and included the information for the reason why it is being contested. 
It is important to note in the document that was included in the mail sent on XXXX, under the section How can you dispute the debt?, the following statement, that they will stop collection on any amount you dispute until we send information that shows you owe the debt. 
To date, I have NOT received any information from this debt collector addressing the statement above. Also, I am unable to obtain any information from XXXX related to this debt as they have closed my account thus denying access to determine how and when the debt was accrued. 

I received an email from the debt collector on XXXX, the contents of which suggest that they have not investigated the debt but instead requiring me to make payment. A reply to this email was submitted on XXXX with attachments of copies of the completed document and the letter sent on XXXX, with the request to read the contents of the email and to respond accordingly. 

On XXXX I was informed the debt collector in conjunction with XXXX had informed the balance to the Credit Bureaus causing severe detriment to my credit score. 

This debt collector did not investigate the debt as stated in the document nor did they reply to my letter submitted contesting the debt on XXXX. But instead, they resorted to reporting to the credit bureau the false claim by XXXX. The consequences of this action will be widespread, and I require compensation both by the debt collector and XXXX to cover the cost of my legal fees to correct the wrongdoing. 

NOTE : I will be submitting this complaints about the debt collector to Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Florida State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When auditing my account I noticed many missing transactions and many listed as ineligible. I opened support tickets XX/XX/XXXX and provided all requested itemized receipts. Since then, I have received multiple messages from 2 different customer service agents requesting itemized receipts and have re-sent them each time - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. I also asked for a phone number to discuss and was told everything was handled electronically. Last evening, I received messages from both service agents stating " We've reached a point where our customer service team can't proceed further. We are unable to move forward with your original request. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had procedure done that cost me {$5500.00}. I was told at the providers office multiple times that this charge qualified for 0 % interest for 24 months. My statement is showing interest. Im not sure how something like this could happen. XX/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 monetary relief