vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I received XXXX emails saying I opened XXXX separate accounts whichi did not. This was from citibank

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received two different credit cards ( a Home Depot Citibank card and a XXXX XXXX ) that I didnt apply for. I believe my identity may have been stolen.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
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 XXXX 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. Please help me out this so darn stressing, I have a lot of personal things going on with my life right now don't need to add this as well. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I opened a XXXX with Marcus with account number XXXX that matured on XX/XX/year>. 

I requested for the funds to be transferred to my account ( which was a registered external account ) and I never received the funds.

After several days of not receiving the funds I call Marcus and they let me know that " there was an issue with the wire '' so they " decided '' to send a check without calling me to let me know that they changed the preferred method to get my money.

I had just recently changed addresses and they sent the check to my previous address, since I was not there to sign they sent the check back to Marcus around XX/XX/year>. 

It has been more than a month that the check was sent back to them and after countless times I have called them to get my money back they asked me how to send me my money so I told them via ACH to my registered account on XX/XX/XXXX. 

Again, after a week of not receving I call them again and now they told me they were " re-opening the CD ''. Without ever telling me anything.

I can not see my money reflected in my account, I have absoutely nothing that says that they still have my money. I am really worried and frustrated by the lack of communication and accountability from this financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
I contacted CMG Mortgage to request an escrow analysis on XX/XX/year> following changes to my homeowners insurance and escrow components. I was informed that escrow analyses in Florida are performed only on an internal annual schedule and that a borrower-requested escrow analysis can not be initiated. 

Despite providing updated insurance information, CMG has not reviewed or adjusted my escrow account and will not confirm whether corrections can be made prior to the scheduled XXXX analysis. 

I am requesting a review of my escrow account for accuracy, written confirmation of the escrow analysis timeline, and adjustment or refund of any escrow overpayments, consistent with RESPA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: WV

Complaint narrative:
I have received text messages regarding a debt with XXXX  over {$1000.00}. I have also received emails. I have tried to dispute this debt as I dont recognize this debt. I am sick and tired of the repeated messages. I did not consent to this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: MI

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing regarding the alleged charge-off my capital one account referenced above. I dispute the validity of this debt and request, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, that you provide proper validation of this debt before any further collection actions, including reporting to credit bureaus. Please provide the following documentation : An itemized statement of the alleged {$500.00} balance, showing all charges, fees, and interest applied.Until you provide sufficient validation, I request that you cease all collection efforts, including phone calls and credit reporting. Additionally, if this debt is verified as valid, I am willing to discuss a settlement of the account for less than the full balance to resolve it quickly. Please provide your settlement procedures and any written offers. I would like to do a Pay to delete if optional. Please note that I am requesting all communications in writing. This letter is not a refusal to pay but a request for validation and proper documentation as required by law.Thank you for your prompt attention to this matter. I expect a response within 30 days of receipt of this letter.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In XX/XX/year>, Midland Credit Management began reporting and attempting to collect an alleged debt in the amount of {$710.00}. I did not incur or authorize this debt. I was outside of the United States during the time the alleged charges were incurred and could not have used or authorized the account. 

In or around XX/XX/year>, I submitted a formal written dispute requesting validation of the debt and a reasonable investigation. I requested documentation showing that I incurred or authorized the charges, as well as correction or deletion if the debt could not be verified. I did not receive any response or validation. 

Despite my dispute, Midland Credit Management continues to report this account to the credit reporting agencies. The account is reported inconsistently as both closed and past due, and no supporting documentation has ever been provided to substantiate the debt. 

I have also disputed this account with the credit reporting agencies. However, the account remains reported without evidence that a reasonable investigation was conducted. Continued reporting of an unverified and inaccurate debt is causing ongoing harm to my credit profile. 

I am filing this complaint because Midland Credit Management is attempting to collect and report a debt that is not owed and has failed to conduct or document a reasonable investigation following my dispute. 

Attached are documents showcasing that I was attending school in XXXX during the accrument of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe.

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

2 The name and address of the original creditor.

3 Copies of any documents bearing my signature that show I am legally obligated to pay this debt.

4 Proof that you are licensed or authorized to collect this debt in my state.

5 Proof that the statute of limitations has not expired on this alleged debt.

Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this debt with any credit reporting agency.

This letter is not a refusal to pay, but a request for verification of the alleged debt. Please note that any continued collection activity without proper validation may constitute a violation of federal law. 

I prefer all future communication regarding this matter to be in writing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I inherited my mother 's house when she passed this fall. I immediately put the house on the market and found a buyer. When I discovered the outstanding mortgage from PHH on the home, I contacted them for a payoff quote with XXXX written requests and daily phone calls. I provided all relevant and requested documentation and information. After XXXX weeks of persistent contact on my part, PHH has still failed to generate a payoff quote for the home and has given me contradicting information each time I have spoken with them. XXXX representative said I needed to provide an appraisal to get a payoff quote -- I have never heard of a mortgage company requiring a licensed appraisal to receive payment. Each time I called, I was told the quote was being " computed '' and to wait XXXX business days. I emailed them on XX/XX/XXXX and have called nearly every day since and they are no closer to giving me a quote. They are in violation of 15 U.S.C. 1639g and likely other sections. At this point, they have impeded the sale of the house and possibly sabotaged their own, timely reimbursement. I can't make sense of why any lender would do this other than to run a scam in an attempt to collect more interest/payments.

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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC
State: VA

Complaint narrative:
have an auto loan serviced by Westlake Financial Services. During a defined period, I experienced a temporary financial hardship caused by job loss, which affected my ability to make timely payments. This hardship was short-term and has since been fully resolved. My account is currently paid and in good standing, and my most recent payment was made on XX/XX/year>. 

After resolving the hardship, I contacted Westlake Financial Services by phone to request a goodwill review of the late payment reporting tied to that period. During these calls, I explained the circumstances of the hardship, confirmed that the account was current, and requested a reasonable goodwill consideration based on my improved payment status and ongoing efforts to remain compliant. 

Throughout these interactions, I encountered significant issues with communication and process. Customer service representatives were unable or unwilling to clearly explain the review or investigation process used to evaluate my request. I specifically requested escalation beyond the initial representative and supervisor so the matter could be reviewed by a higher-level or compliance department, but this request was refused. XXXX call was ended abruptly without resolution. 

At no point was I provided with a written response, documentation of a review, or a clear explanation of how my hardship or request was evaluated. As a result, I do not believe a meaningful or transparent goodwill review was conducted. 

I want to clarify that I am not disputing the factual accuracy of the reporting at the time the late payments occurred. My concern is with Westlake Financial Services failure to conduct a reasonable, well-documented review, their refusal to escalate the matter appropriately, and the lack of clear communication regarding their decision-making process. 

I am requesting CFPB assistance to ensure that this matter is reviewed by Westlake Financial Services compliance or executive response team and that I receive a formal written response explaining the investigation process and the basis for their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Summary of the Issue : from XXXX and XXXX XXXX account # XXXX I have been attempting to complete a mortgage modification with PHH Mortgage for the past six months, and the process has been mishandled in multiple ways that have caused financial harm, stress, and unnecessary delinquency.

Details of the Problems : 1. PHH refused to offer assistance until I became delinquent.

When I first contacted PHH to request help due to financial hardship, they told me they could not offer any assistance unless I began missing payments. This forced me into delinquency in order to receive help, which damaged my credit and created avoidable financial strain. 
XXXX. XXXX months of delays with no clear progress. 
I submitted all required documents multiple times, yet PHH has taken more than six months without providing a final decision. Federal servicing rules require a decision within 30 days of receiving a complete application, but PHH has repeatedly stalled the process.

3. Incorrect, inconsistent, and confusing information throughout the process.

PHH representatives have given me conflicting explanations about my account status, the status of my modification review, and what documents were needed. Different departments and agents provided contradictory information, making it impossible to understand what was actually required. This lack of clear communication caused significant delays and prevented me from resolving the issue.

4. Financial and emotional harm to my family.

Because of PHHs delays and misinformation, I have experienced unnecessary fees, credit damage, and months of uncertainty. The stress and financial hardship have affected me and my family, and PHHs handling of my case has made the situation worse instead of helping.

What I am requesting : I am asking the CFPB to review PHH Mortgages handling of my modification request, ensure they comply with federal servicing rules, and require them to provide a clear, timely, and accurate resolution. I also request that PHH correct any errors on my account that resulted from their delays or misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Two student loans were opened under my name and social security fraudulently. They stole my identity to commit the fraud. I have filled out every requested document and can not seem to make this saga end. I filed police reports and have filed numerous fraud/forgery cases with both the school and AidVantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am submitting this complaint regarding an invalid debt and incorrect credit reporting by XXXX XXXX. 

XXXX account number : XXXX XXXX case number : XXXX On XX/XX/year>, I ordered a mobile phone through XXXX for use on the XXXX XXXX. XXXX mistakenly shipped a device locked to the XXXX XXXX XXXX network instead of XXXX. Because the device was incorrect and could not be activated on XXXX, I returned the device to XXXX. 

XXXX processed the return successfully and issued a full refund on XX/XX/year>. The device was never activated on XXXX network and was not retained by me. I have proof of the return and refund, including XXXX receipts. 

Despite this, XXXX charged my account for the device and later demanded payment. I contacted XXXX multiple times, provided documentation, and opened a formal case ( XXXX ). XXXX representatives have stated that I must pay the balance first, activate the account, and then request a refund. I do not agree to pay an invalid charge to correct a billing error. 

While this billing error was unresolved, XXXX reported the account to the credit bureaus, resulting in inaccurate negative credit reporting and a significant credit score decrease of approximately XXXX points. 

I am disputing this charge as a billing error. The debt is not owed, as the device was returned and refunded, and XXXX continued collection activity and credit reporting are incorrect. 

I am requesting that XXXX remove the invalid charge, stop all collection activity, and correct and delete the inaccurate credit reporting with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Fair Collections & Outsourcing ( XXXX  ) for willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, and the Fair Credit Reporting Act ( FCRA ). XXXX  is reporting a fraudulent debt of {$3600.00} that is causing me immediate and irreparable financial harm during a mortgage approval process. 
Evidence of Fraudulent Reporting : On XX/XX/XXXX, XXXX  provided a " Verification of Debt '' ( VOD ) regarding damages to a unit at XXXX. I have irrefutable proof that the VOD documentation is fraudulent and does not represent the property I occupied : Timestamped Video Evidence : I possess video footage from inside and outside my unit taken on XX/XX/XXXX, and XX/XX/XXXX. These videos prove my unit did not contain the " bush '' or " car wheel rims '' featured in XXXX  VOD photos. 
Misidentified Unit : XXXX  is attempting to collect a debt based on images of a property that is either a different unit or was altered after my move-out on XX/XX/XXXX. 
False Representation : Neither I nor the other resident owned a vehicle during the residency, yet XXXX  is holding us liable for " mechanical storage '' ( car rims ) that did not exist in our unit. 
Legal Violation : Under 15 U.S.C. 1692e, a debt collector is prohibited from using false, deceptive, or misleading representations. By reporting a debt based on photos of a unit that is not mine, XXXX is knowingly misrepresenting the character and amount of the debt.

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