vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
RE : DEMAND FOR DELETION FAILED INVESTIGATION + MATERIAL MISREPRESENTATION TO CFPB + CARES ACT / ACCOMMODATION VIOLATION + UNVERIFIABLE CONTRADICTORY FURNISHING This is a NEW complaint based on new, post-response evidence proving Allys investigation and prior CFPB response were deficient and materially inconsistent with current credit reporting. This complaint references closed CFPB case # XXXX ( company response dated XX/XX/XXXX ). 

Company investigation failed and did not correct the problem. 
Despite Ally stating the account was verified, the same account continues to appear with mutually exclusive delinquency histories across consumer reporting agencies ( CRAs ). A single account can not have multiple incompatible delinquency calendars and simultaneously be accurate. 

Objective proof of contradictory furnishing ( unverifiable adverse data ). 
As of XX/XX/XXXX, current reporting shows : XXXX  and XXXX : 0 late payments ( clean history ). 
XXXX : five 30-day delinquencies in XXXX XXXX and XX/XX/XXXX. 
XXXX : five 30-day delinquencies in XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
These histories are mutually exclusive. Ally previously asserted it furnishes the same credit experience to CRAs ; the current data proves that statement is not true in practice and demonstrates a systemic data integrity failure. 

Accommodation/extension period acknowledged by Ally vs. XXXX delinquency reporting ( CARES Act credit reporting ). 
In Allys CFPB attachment for case # XXXX, Allys own payment history notes a 120-day extension processed for XXXX. Despite this acknowledged accommodation, XXXX  shows 30-day past due markers within that covered period ( including XXXX and XX/XX/XXXX ). Under the CARES Act credit reporting requirements ( CARES Act 4021 ), when a COVID-19 accommodation is granted, the furnisher must report the account as current if it was current at the time the accommodation began, and must not furnish information that worsens the consumers status during the accommodation period. Reporting delinquency within a documented accommodation period is improper furnishing and further proves Allys data integrity failure.

Demand for relief ( deletion, not an update ) : Because Ally can not produce a single consistent month-by-month payment history across CRAs, and because delinquency is reported during a documented accommodation period, the adverse late-payment history is legally unverifiable and must be deleted. I am requesting Ally : Delete all late-payment history/late markers and late counters from XXXX and XXXX  ( and any CRA where such adverse markers appear ), Provide written confirmation identifying each CRA notified, the date notified, and the specific fields deleted/corrected ( payment history grid and late counters ), and Cease furnishing contradictory adverse data that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Dear Capital One Customer Relations Team, I am writing to respectfully request a goodwill adjustment for a Capital One account that is reporting as paid and closed, with no late payments.

I had a positive experience with Capital One and always managed the account responsibly. Since the account has been fully paid and closed, I kindly ask if you would consider removing it from my credit report as a gesture of goodwill.

I appreciate the opportunity I had to be a Capital One customer and thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: NJ

Complaint narrative:
I spoke to numerous employees at XXXX Citi that informed that my disputed fraudulent purchases were flagged and I would receive reimbursement. A majority of the disputed charges were from XXXX. Subsequently, I was informed by XXXX Citi that they would not reimburse thousands of dollars in fraudulent XXXX charges. 

I cancelled credit cards and was issued new credit cards. I was told that NO NEW APPLE CHARGES would be incurred and it would be monitored by the XXXX Citi Security department. This was an outright lie. Fraudulent charges from XXXX continued and the company offered the consumer zero security protection. 

XXXX XXXX security department was negligent and offered zero protections to the long time consumers and refused to reimburse thousands of dollars in identified fraudulent XXXX purchases.

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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
b'I contacted the branch in XXXX regarding my issues on getting my XXXX from old account to new account.  Was told to contact customer service. \n\nContacted them on the same day. Was in the phone for 2hour and 1/2 and go no help. They were more concerned about their security and wrong information provided. That account was fine back in XXXX When the account was frozen and I opened the new account I no longer have any of the information. I was transferred to a fraud department which I requested a supervisor. They advised I was verified. Then I was transferred to another person and had to explain everything all over again. That is 3 times Im explaining the issue with no help. I ended up doing their job instead of them doing theirs. Very unprofessional. These customer representatives do not speak the XXXX  language and their accent you cant understand. Their understanding of our language is different than ours. Banks seem to think my mine is theirs. It is NOT. I want that money moved immediately!!!!!!!!!  I will obtain an attorney which they will need pay for because they will lose. Both accounts are on the screen together according to the branch and they can see the screen they are on the sane institution. I was lied to and told I failed the security when I did not. They just needed  to put my SS number in and the accounts would show up as the branch instructed me.\n\nAs I said there are 2 accounts!!!!!\n\nI REQUESTED YOU TO UPDATE MY PHONE NUMBER. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: GA

Complaint narrative:
To, XXXX XXXX, Vice President, XXXX XXXX XXXX Department, Comerica Incorporated.

I am still waiting for a reimbursement for the fraud committed against my Direct Express account. I never authorized any of the disputed transactions, YOU DID. You never afforded the proper card security, or afforded all available security measures too guarantee against card fraud. This security should have included biometric measures, including fingerprint scanning and facial recognition, to be used at ATMs. This would ensure 100 % security. Also, if you provided your customers a secure ATM booth/environment with machine, this could also prevent someone from stealing your PIN while entering it on the keypad. 
It's just too easy too walk up and observe a person entering their PIN number while entering it on the ATM keypad without their knowledge.Which obviously was done to me. Recently my D.E. card number was used without my authorization, even though it was electronically locked using the XXXXXXXX XXXX The un-authorized debits have been reported to the XXXX. XXXX XXXX. Bottom line is your XXXX XXXX XXXX, and method of using the card is not safe as you advertise. Also, have you EVER ( Past or Present ) used XXXX. account holders money, including mine, and invested that money to collect interest. 
If yes, how much money did you collect in total interest, and during what time frame ( months & years )?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I have experienced ongoing confusion, inconsistent guidance, and lack of clear communication from my mortgage servicer, United Wholesale Mortgage ( UWM ), since approximately XX/XX/year> regarding my loss mitigation options. 

I was initially told by UWM representatives that I could not pursue loss mitigation or loan modification until I was delinquent on my mortgage. Later, I was told my assistance process began in XX/XX/year>, but I was never given a clear explanation of the steps being taken or what was required from me. 

In XX/XX/year>, I contacted UWM to ask what options were available. I was advised that extending forbearance was an option, which I agreed to, but the process and consequences were not clearly explained to me. As a first-time homeowner, I relied heavily on the information provided by the servicer.

Since that time, I have repeatedly received conflicting information from different UWM representatives. I was told I needed to complete a HUD counseling appointment, but those appointments were canceled while my account was under review. Later, a representative stated the appointment may have been canceled because the account was considered to be in foreclosure, which had not been clearly disclosed to me previously.

My account is now approximately 225 days delinquent. I only learned recently that foreclosure activity may have begun. Throughout this process, I have attempted in good faith to work with UWM, requested clarification, and submitted an appeal when I learned my application was denied.

I have taken proactive steps including submitting an appeal, providing updated financial documentation, scheduling HUD-certified housing counseling, and preparing to make a {$5000.00} good-faith payment. However, I continue to encounter difficulty obtaining clear, consistent answers, a stable point of contact, or written confirmation of my account status.

I believe the inconsistent information, lack of transparency, and failure to clearly explain my options have negatively impacted my ability to navigate the loss mitigation process and avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Credit Corp Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : CREDIT COR XXXX Alleged Amount : {$440.00} To Whom It May Concern, This letter constitutes a formal and timely dispute of the above-referenced alleged debt pursuant to 15 U.S.C. 1692g ( a ) and ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

I do not acknowledge, do not recognize, and do not accept liability for this alleged obligation.

DEMAND FOR STRICT VALIDATION Under 15 U.S.C. 1692g ( b ), once a consumer disputes an alleged debt, all collection activity must immediately cease until the debt has been fully validated. This includes, but is not limited to, credit reporting, updating, re-aging, selling, assigning, transferring, or attempting to collect this account.

You are hereby required to provide competent, admissible evidence proving the existence and enforceability of this alleged debt, including : A copy of the original signed contract or application bearing my signature A complete itemized payment history from the original creditor to present Proof of ownership, including the entire chain of assignment from the original creditor to Credit Corp Solutions , Inc.

The name and address of the original creditor Proof that Credit Corp Solutions , Inc. is properly licensed and authorized to collect debts in the state of Georgia Documentation proving the accuracy and legal basis of the amount claimed NOTICE OF LEGAL VIOLATIONS Any continued collection activityincluding credit reporting to XXXX XXXX or XXXXprior to providing full validation constitutes a knowing and willful violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e. 

Be advised that credit reporting is a form of collection activity. Any attempt to verify, update, re-age, or maintain this tradeline without proper validation will be documented as an intentional federal violation, subject to : Statutory damages Actual damages Attorneys fees and costs Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney General FINAL DEMAND If you are unable or unwilling to provide the above-required validation, you are legally obligated to : Cease all collection activity immediately, and Delete any and all credit reporting related to this alleged account Failure to comply will result in immediate escalation without further notice. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I requested the validity of the debt pursuant to ( FDCPA ), 15 U.S.C. 1692g and never received the verification, this information was requested XXXX the information requested was the following : Proof I signed for the debt Signed contract agreement Proof of ownership if the debt was sold or transferred Verification of original creditor The only thing received was a statement from XX/XX/XXXX which does not verify the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I have tried contacting them on several occasions. They make it impossible to speak with an actual person, I contacted them back in XX/XX/XXXX with no resolution and they stated they could not find my account with my social and DOB. If this is the case, why is it on my credit report? It needs to be removed. I contacted them again XX/XX/XXXX and XX/XX/XXXX and they are responding very slowly. It is unprofessional to not have a line where your customers can call you and now I can not resolve this debt. All I want to do is pay this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: WA

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I received 5 different pieces of mailing with different lawyers telling me to act now before I get served. I received the letter that I attached. I have received threatening voicemails that state I will be sued and served papers if I don't comply. I have no idea on what this debit is from. I also had someone show up at my house twice now looking for me and trying to serve me papers. He couldn't tell me any information either. I got scared since I'm being threatened for something that I don't even know about. I did go online and set up a payment plain to pay the debt, but now I'm regretting it since I don't know where the debt is coming from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Recd a Wells Fargo - XXXX XXXXXXXX XXXX XXXX  in the mail. Upon contacting Wells Fargo was told that the credit card along with a Wells Fargo Business checking account had been opened. As of today in talking again with the fraud dept at Wells Fargo there was no activity on either account and they closed both accounts.

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 2026-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In account with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXX XXXX  & Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I applied for a loan modification in XXXX of XXXX  because the payment went from {$1700.00} a month to over {$2500.00} a month. Shellpoint paid the undisputed tax rate and added it to the $ XXXX monthly payment without consulting me, thus making the monthly payment unaffordable. Prior to this unexpected increase payments were on time and hassle free. 
I have summited 3 full applications, nearly 8 months of bank statements, months and months of income documentation and have repeatedly been denied or delayed for frivolous reasons. The first denial was because the back-slashes on the 4506-c form were in the wrong place for dates ( the numbers were correct ). That same denial included denial for a missing checkbox. Other denials/delays included " wet ' signature requirements and the like. 
I have been assigned 3 loss mitigation specialists and none have been able to provide information beyond, the file is escalated and/or the file is under review with the investor. 
During their delays and frivolous denials they've found time to report delinquent payments to the credit agencies which prohibits me for approval with other lenders.

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