vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am disputing a debt reported by National Credit Adjusters , LLC ( Account # XXXX ). 

On XX/XX/year>, I sent a written request for full verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On XX/XX/year>, National Credit Adjusters responded with the same incomplete documents previously provided, which do not constitute proper verification. Specifically, they failed to provide : Proof of legal right to collect, including chain of title from the original creditor. 
A copy of the original signed agreement or equivalent documentation showing I am legally obligated. 
A complete itemized accounting of the alleged balance, including interest, fees, and charges. 

Despite my requests, National Credit Adjusters never provided full verification and continued reporting this debt to the credit bureaus. This is a violation of the FDCPA 1692g ( b ), which prohibits debt collection while a debt is in dispute, and FCRA 623 ( a ) ( 3 ), which prohibits furnishing incomplete or inaccurate information to credit reporting agencies. 

I have attached my emails to National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a used vehicle on XX/XX/year> using financing through Lobel Financial. The vehicle became inoperable within XXXX days of purchase with fewer than XXXX miles added. I later discovered an unexplained price discrepancy of {$1300.00} added to the financed amount that did not match the advertised cash price. 

I repeatedly requested clarification and documentation regarding the financed amount, fees, and charges, including convenience fees charged for online payments. Lobel Financial has provided a copy of the contract and payment ledger but has not explained or resolved the disputed amounts. I am requesting further investigation and correction of the disputed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NV

Complaint narrative:
Cash app close my account and lied about why my account was closed. XXXX I was told because of gambling which I never do. Then I was told because I violated terms and conditions I asked what did I violate, and they can not tell me. I only send or receive money from my family and kids. Its sad that a XXXX XXXX  is treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Bilateral Credit Corp, LLC
State: TN

Complaint narrative:
In XX/XX/year>, while on approved XXXX XXXXXXXX leave from my employer ( XXXX ), I received disability-related wage payments coordinated between XXXX and its insurer XXXX XXXX. Despite submitting medical documentation in good faith, XXXX denied the claim after the fact. XXXX later asserted that the payments constituted an overpayment and demanded repayment of approximately {$3600.00} ( net ). 

Beginning around XX/XX/year>, I began receiving repeated voicemails and emails from an individual claiming to be a legal representative or debt collector acting on behalf of XXXX and/or an entity called Bilateral Credit XXXX These communications included threatening language, references to my future, and statements implying the debt had been or would be reported to credit bureaus. 

The caller also threatened to contact third parties ( family members ), which I understand is prohibited under the Fair Debt Collection Practices Act. Despite these collection attempts, I was never provided with a legally required written debt validation notice identifying the creditor, the amount owed, my right to dispute the debt, or proof that XXXX XXXX owns or is authorized to collect this debt. 

As of today, no collection account appears on my credit reports, contradicting the representations made in the voicemails. The continued contact appears designed to intimidate rather than comply with federal consumer protection requirements. I dispute the debt in full and believe the collection activity violates the FDCPA, including failure to provide validation, misleading representations, and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year>, a Capital One / Walmart credit card account was opened without my knowledge or authorization as a result of identity theft committed by a third party. 

I never applied for, authorized, or used this account. 

After discovering the account on my credit reports, I took the following actions : I filed an official Identity Theft Report with IdentityTheft.gov ( FTC ). 
I submitted the FTC report, a copy of my government-issued ID, and proof of residence to Capital One and to the credit reporting agencies. 
I formally disputed the account as fraudulent and not authorized. 

Despite receiving this documentation, Capital One responded that the account was verified and has continued to report the account to XXXX, XXXX, and XXXX 

Capital One has not provided any evidence that I opened or authorized this account, such as a signed application, electronic consent, or method of application. 

Because a valid identity theft report was provided, the continued reporting of this account is a violation of the Fair Credit Reporting Act ( FCRA ), including Sections 605B and 623. 

I am requesting that this fraudulent account be deleted immediately from all credit reporting agencies and that Capital One cease furnishing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: I.C. System, Inc.
State: GA

Complaint narrative:
This debt collector has engaged in unlawful conduct in violation of the Fair Debt Collection Practices Act ( FDCPA ). They reported an account that I never authorized, agreed to, or signed for. A legally binding contract requires mutual consent from both parties, and I did not enter into any agreement related to this alleged debt. 

Furthermore, the collector failed to properly validate the debt as required by law. They did not follow the mandatory debt verification procedures before attempting to collect or report this account. 

These actions are a direct violation of my rights under the FDCPA. I am entitled to relief for these violations, and their conduct constitutes an unlawful infringement of my consumer protections. I am formally demanding the immediate removal of this account from all records and credit reporting agencies.

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 2026-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Idaho Housing And Finance Association
State: IA

Complaint narrative:
I am writing to formally express my concerns regarding the ongoing loss mitigation process through Homeloanserv for my mortgage and the repeated requests for documentation that I have already submitted multiple times. 

Since the beginning of XXXX, I have consistently been asked to resend paperwork that was previously provided. In several instances, documents were sent together via the same fax or email, yet I am later informed that some items were received while others were not, despite being transmitted at the same time. 

I have been calling at least twice a week since early XXXX to follow up and ensure everything needed was received. Each call results in additional requests for documents that I have already sent. On XX/XX/year> I called again and specifically requested that I be contacted immediately by phone or email if anything was missing. I was also informed that no further paperwork was needed at that time and to call back next week, which is this week. 

However, during a call today XX/XX/year> I was told that notes were made on XX/XX/year> indicating missing itemstwo days after my call. 
Additionally, I received a letter dated XX/XX/year> stating that requested items had not been received. This ending up in a denial. 

This was particularly concerning because during todays phone callbefore my husband checked our mailI was told those same items were needed within the next XXXX days. This conflicting information has caused significant confusion and stress. 


I have sent these items yet again but I will be reaching out to the HUD within my state regarding this entire process. 

I have every email, fax, phone call documenting with Homeloanserv and will continue to do so. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am submitting this complaint against Caine & Weiner regarding the following collection account : Caine & Weiner Account Number : XXXX Alleged Debt Amount : {$200.00} I have formally requested validation of this alleged debt multiple times. More than XXXX days have passed, and Caine & Weiner has failed to provide any lawful or complete validation. 
Additionally, I never received any written initial notice of this collection as required under 15 U.S.C. 1692g ( a ). I have no knowledge of this alleged debt, its origin, or any contractual relationship that would authorize Caine & Weiner to report or collect it. 

Under 15 U.S.C. 1692g ( a ) and 1692g ( b ), a debt collector must : Provide written notice within XXXX days of initial communication Cease collection activity until proper validation is provided Provide competent evidence that the debt is accurate and legally owed Caine & Weiner has failed all of the above. 

Under 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), furnishers must : Report only complete and accurate information XXXX a reasonable investigation when a dispute is submitted Delete or correct unverifiable information Caine & Weiner continues to report this account without lawful verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting requires : Original creditor name Original account number Date of first delinquency Date account was placed for collection Contract or application bearing my signature Full payment history Chain of custody / assignment documentation Proof of legal authority to collect None of this information has been provided. 
Generic statements, screenshots, or internal printouts do not meet XXXX XXXX or federal validation standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
on my account there is a charge XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$110.00}, which i disputed and citi refunded me after investigation ( XXXX didnt reply to citi ) I have a similar charge from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$110.00} and i would like to get refunded

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 2026-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reached out to all credit bureau and informed them that any accounts opened in my name from XX/XX/XXXX through now ; wasn't me. I explained the I was incarcerated from XX/XX/XXXX to XXXX XXXX. Some things were removed and taken off my credit however some wasn't removed or taken off.

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 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
caliber home loans charged me ( joint account owner of the loan ) {$160.00} late fee charge for a mortgage payment autopay cancellation due to initial of the assumption of the loan transfering from XXXX XXXX  to caliber home loans.this was in XXXX XXXX XXXX XXXX XXXX caliber home loans is newrez now.

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 2026-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2026-01-20 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
I am disputing a collection account of {$3300.00} reported by IQ Data XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ). This alleged debt is legally unenforceable and inaccurate for the following reasons : Failure to Provide Itemized Statement ( XXXX XXXX ) : This claim originates from a XXXX tenancy in XXXX, WA. Following my move-out, the landlord failed to provide any itemized statement of damages or charges within the 21/30-day window required by Washington State law. Per RCW 59.18.280, the landlord has legally waived any right to claim these damages. 

Unverified Debt : I have never received a breakdown or any supporting documentation for the alleged amount of {$3300.00}. I sent a formal Debt Validation Request via email on XX/XX/XXXX, requesting the original contract and itemized receipts. As of now, IQ Data has failed to provide any such evidence. 

Lack of Reasonable Investigation : Despite the debt being legally waived and unverified, IQ Data continued to report this item. Furthermore, XXXX recently " updated '' this item on my credit report without conducting a proper investigation into the legal enforceability of the debt under Washington State law. 

Unknown Debt : I do not recognize this debt or the amount being charged. Reporting an unverified and legally waived debt is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Desired Resolution : I demand the immediate and permanent deletion of this unverified and legally unenforceable account from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
My mortgage servicer incorrectly applied another persons property tax exemption to my mortgage account. Because of this error, the servicer failed to collect the correct property taxes owed for my property. 
As a direct result of the servicers mistake : * The correct property taxes were not collected * My escrow account is now negative by over {$4000.00} * I am being financially penalized for an error entirely caused by the servicer. 
* The tax exemption applied does not belong to my property or parcel number. This constitutes escrow mismanagement and a servicing error under RESPA. 
* I have sent a formal RESPA Notice of Error demanding correction, documentation, and reversal of all charges related to this mistake. 
* I am requesting : * Immediate correction of my escrow account * Removal of all escrow shortages and payment increases caused by this error * Written explanation of how the error occurred * Assurance that my credit will not be harmed * This issue has caused significant financial stress and should never have occurred. I am asking the CFPB to ensure this servicer complies with federal mortgage servicing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied online upon receiving an invitation offer through the mail with a deadline of XX/XX/year>. I applied on XX/XX/year> and the code was accepted. When I tried to check to confirm that I would receive the bonus upon direct deposit of $ XXXX within 90 days, I got a message saying error please go into bank to complete your request. I got a scheduled appointment for XXXX and this is when everything went downhill for me. XXXX XXXX XXXX opened another account, but wasnt allowed to use my original code that I opened the first account with online and she created a deletion of my being a new customer which forfeited my original code. Instead of confirming and assuring me that I would be getting the {$420.00} bonus upon required completion, she voided it by opening a second account with a totally different code which would not allow me to enjoy nor receive the {$420.00} reward. I have not received any reward as of yet. Also, the existing account that I have been using is the XXXX account number that XXXX opened and not my original first account which I applied for with {$420.00} code online.

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 2026-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Merchant : XXXX XXXX XXXXXXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$1100.00} Disputed Amount : {$500.00} What happened : I am filing this complaint against Capital One regarding Case Number XXXX. I disputed a {$500.00} charge for a service that was " Not as Described '' by the merchant, XXXX. The merchant advertised a " XXXX XXXX XXXX '' with a XXXX XXXX XXXX included. Upon arrival, the property was only a XXXX XXXX with a XXXX, and the host imposed a XXXX XXXX XXXX XXXX  that was not in the original contract. 
I provided Capital One with " Before '' and " After '' screenshots proving the merchant retroactively altered the public listing description while I was on-site to add the curfew to cover their failure to provide the service. Capital One closed the case on XX/XX/XXXX, claiming a " lack of information, '' despite a XXXX evidence package being submitted to their portal on XX/XX/XXXX, satisfying all of their requirements. 
A Capital One supervisor subsequently informed me on XX/XX/XXXX, that because I stayed at the property, " XXXX XXXX '' automatically denies the claim. This is a misapplication of XXXX Reason Code XXXX ( XXXX Not as Described ). The merchant 's partial refund of {$260.00} does not cover the discrepancy between the advertised XXXX XXXX and the actual accommodation provided. I am requesting a proper review of the documentation showing the merchant 's alteration of the contract after XXXX XXXX of sale.

Company response to consumer: Closed with explanation