vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lennar Financial Services, LLC
State: IL

Complaint narrative:
I am filing a formal complaint against Lennar Mortgage , LLC regarding highly deceptive sales practices, gross negligence, and potential TRID violations during our recent home purchase. The transaction was characterized by severe incompetence and bait-and-switch tactics, primarily driven by XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The key issues are as follows : XXXX. Negligent Disclosure Practices & Duress ( TRID Concerns ) Lennar Mortgage issued an initial Closing Disclosure ( CD ) containing a massive {$4000.00} error. Due to their sheer incompetence in correcting this error, the final, amended Closing Disclosure was pushed onto us ~48 hours before closing. We were placed under extreme duress to sign a rushed financial document simply to avoid delaying our closing and risking our earnest money. 2. Deceptive 'Bait-and-Switch ' Tactics ( UDAAP Concerns ) During the loan process, Lennar Home Sales verbally committed to providing us with {$8100.00} in closing cost credits to compensate for previous organizational failures. However, on the final CD provided right before closing, that credit was inexplicably reduced to {$7800.00}. We were effectively trapped into accepting {$360.00} less than promised because walking away at the 11th hour was impossible. XXXX XXXX changed the amount at the last minute without telling us why. XXXX. Misrepresentation of Escrow Requirements The team, specifically XXXX XXXX, failed to properly explain our escrow obligations, specifically regarding our pre-paid homeowners insurance policy. We were forced to navigate our own financial structure because the Lennar team was incapable of clearly communicating federal vs. lender-specific escrow requirements. Lennar Mortgage weaponized the closing timeline to force through inaccurate numbers and short-change us on agreed-upon credits. I am requesting the CFPB review their disclosure timelines and bait-and-switch credit practices.

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 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft. I do not recognize these accounts. Please remove from my credit report as this account is hurting my ability to obtain credit. Please see the attachment. Eastern Account System {$260.00} XX/XX/2025 XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LNV Funding LLC Account XXXX Narrative : I am submitting this complaint regarding LNV Funding LLC. This account is being reported on my credit file in a manner that I believe is inaccurate and has not been properly validated. I previously requested debt validation from LNV Funding LLC, but I did not receive sufficient documentation proving that this debt is valid or belongs to me. As a result, my XXXX credit report shows a negative account that is potentially inaccurate, causing harm to my creditworthiness. I am requesting that LNV Funding LLC provide proper validation of the debt and/or remove any inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
My company, XXXX XXXX, provided a monthly rental service to a client on XX/XX/2025, totaling {$8000.00}. We have a signed Rental Agreement via XXXX and a payment receipt from XXXX. Despite this irrefutable evidence, the client initiated a fraudulent chargeback, which Bank of America ( the issuing bank ) wrongly decided in the client 's favor. A Bank of America representative, XXXX XXXX, contacted me and collected all supporting documentation, including proof of service and signed contracts sent via certified mail. However, since then, the bank has gone silent. I have called daily and left multiple voicemails, but have received no response. Bank of America is effectively facilitating 'first-party fraud ' by allowing their client to keep the funds for a service that was fully rendered and legally contracted.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, a {$4000.00} debit card transaction was processed from my Capital One checking account. I was directed by scammers to purchase Bitcoin throughXX/XX/XXXX and then transfer it as payment for goods/services that were never delivered. I believed the transaction was legitimate at the time due to misrepresentation. After realizing the goods/services were not provided, I contactedXX/XX/XXXX which confirmed in writing that this transaction was the result of a bitcoin scam, that scammers specifically target this method, and that Bitcoin transactions are irreversible and can not be recovered. XX/XX/XXXX formally logged my scam report, closed their review, and advised me to contact my bank regarding the fraudulent activity ( XX/XX/XXXXcaseXX/XX/XXXX). I disputed the transaction with Capital One. Capital One initially issued a provisional credit, then later denied the dispute on XX/XX/year>, stating that the merchant provided information showing the transaction is valid, and advised that the {$4000.00} provisional credit would be removed on XX/XX/year>. Capital One did not provide the merchant documentation relied upon in the decision in writing. I followed all recommended steps, including filing an FTC fraud report ( Report XX/XX/XXXXXXXX ). Despite documented confirmation from XXXX XXXX that the transaction was scam-related and unrecoverable, XXXX XXXX denied reconsideration based solely on authorization. I am requesting a meaningful review under debit card protections ( Regulation XXXX ) that considers fraudulent inducement and platform-confirmed scam evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 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: Chime Financial Inc
State: WA

Complaint narrative:
" I am disputing an unauthorized Chime XXXX XXXX account ( AccountXX/XX/XXXXXXXX ) that was opened in my name without my consent. I have contacted Chime multiple times to resolve this. While they eventually closed the account, they have refused to remove the fraudulent trade line from my credit reports at XX/XX/XXXXand XX/XX/XXXX. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB compel Chime to delete this account from all credit bureau reporting immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander offered a deferred payment on line and then listed the payment XXXX days late and refused to accept responsibility

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CT

Complaint narrative:
" I am filing this complaint against Chime Financial , Inc. for deceptive marketing and breach of promotional terms. I opened a Chime account under the " {$350.00} Intro Offer ' ( Offer Version XXXX ). On XX/XX/year>, Chime sent me an email explicitly stating : 'Get {$100.00} when you receive a qualifying direct deposit of XXXX XXXX XXXXy XX/XX/year>. '. On XX/XX/year>, I received a qualifying payroll direct deposit of {$500.00}. Between XX/XX/XXXX and XX/XX/XXXX, I spoke with four separate Chime account managers who all reviewed my account and confirmed I met the requirements. They instructed me to wait until the XXXX day for processing. On the XXXX day, Chime denied the bonus, claiming a hidden 'hourly timestamp ' from my XX/XX/XXXX enrollment made my XX/XX/XXXX deposit late. This 'hourly window ' is not disclosed in the official terms ( which specify '30 calendar days ' ) nor in the email ( which gave a hard deadline of 'by XX/XX/XXXX ' ). Denying a reward based on minutes and hours not stated in the contract is a deceptive practice. I am requesting the {$100.00} reward I earned be credited to my account. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
The company 's response does not address the inconsistencies in the reported balance. The landlord 's own accounting reflects a different total than the amount being reported by the collection agency. Additionally, no detailed itemized accounting was provided within XX/XX/XXXX days of surrender as required by Texas Property XXXX. The response does not explain how a reasonable investigation was conducted after my disputes with all XX/XX/XXXX credit bureaus, nor does it provide documentation reconciling the differing totals. I am requesting documentation supporting the exact balance being reported and an explanation of how the amount was calculated and determined when a newly tenant moved in a few days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
Validation of Debt Request - Hunter Warfield Collections - XXXXXXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am filling this complaint against radius global solutionsLLC REGARDING An alleged debt theyre attempting to collect from me XXXX XX/XX/year>2025 I was contacted by this company about debt, I requested validation of the debt pursuant to fair debt collection act however the company failed to properly validate the debt and still continues to try to collect

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
My current XX/XX/XXXXCredit Card balance is XX/XX/XXXX {$7000.00} at a 21 % APRXX/XX/XXXX. This is my highest credit card balance, and the interest rate significantly increases the monthly obligation during financial hardship. XX/XX/XXXXTimeline of Actions TakenXX/XX/XXXXSeveral months ago ( approximately XX/XX/XXXX ) XX/XX/XXXX I contacted XX/XX/XXXX customer service to request hardship assistance or a temporary interest rate adjustment. No hardship options were provided. XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX I attempted to contact customer service again to request a hardship program or monthly adjustment. I was unable to obtain meaningful assistance or escalation. XX/XX/2026 I made another attempt to request enrollment in a hardship program or interest rate reduction. I was unable to secure a monthly adjustment or speak with a representative authorized to resolve the issue. Despite multiple outreach attempts over several months, no hardship accommodation, interest relief, or structured repayment option has been offered. I am not disputing the balance and am not refusing payment. I am requesting reasonable cooperation to prevent default and continue repayment in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance 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 XXXX. 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. XXXX ( A ) ( XXXX ) A person shall 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 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance 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 XXXX. 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. XXXX ( A ) ( XXXX ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
after the appraisal I was told there was a misunderstanding on the type of property and I am not eligible ; there should have been no missunderstanding because it is listed on the type of property is listed on all documents. The type of property would affect if the rental income can be taken into account. Afer the appraisal they realised that they can not count the rental income due to the type of property, so of course, ultimately I was not able to qualify due to income-this is what they are claiming, but I have the explanation about the missunderstanding in writing on a text message.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I disputed a medical collection account reported by XXXX XXXX on my XXXX credit report. The account is listed as originating from XXXX XXXX XXXX in the amount of {$1300.00}. XXXX marked the account as verified after reinvestigation, but no documentation was provided showing how the debt was validated. The tradeline was simply updated without proper explanation. Because this is a medical account, verification would require the use or disclosure of protected health information. I have not provided any HIPAA authorization to XXXX XXXX or XXXX permitting disclosure of my medical information. The reinvestigation appears to have relied solely on automated confirmation rather than documented verification compliant with FCRA 611. I am requesting : -Proof of validation compliant with the Fair Debt Collection Practices Act. -An explanation of how this account was verified without unauthorized disclosure of protected health information. -Removal of the account if proper verification can not be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 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: IL

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 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Requested debt validation on XX/XX/year> received response on XX/XX/XXXX with a lease from the wrong term and question as well as a lump sum for the alleged damages to date the alleged debt has not been sufficiently verified under right of the FDCPA.

Company response to consumer: Closed with explanation