vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Identity Theft, Data Breach Exposure, and Request for Immediate Correction of Inaccurate Credit Information I am submitting this complaint to the Consumer Financial Protection Bureau regarding identity theft and the presence of inaccurate, unverifiable, and unauthorized information on my consumer credit profile. I recently received alerts indicating that my personal information was exposed in a data breach. After reviewing my consumer credit reports, I discovered multiple accounts, names, addresses, phone numbers, collections, late payments, and derogatory marks that I do not recognize, did not authorize, and have no knowledge of. Based on my review, I believe I am a victim of identity theft and that my consumer file has been compromised with fraudulent and inaccurate data. Specifically, my credit profile contains : Unauthorized accounts and collections not opened or approved by me Inaccurate personal identifying information ( names, addresses, phone numbers ) Late payments, charge-offs, and derogatory marks that do not belong to me Entries that are unverifiable and can not be legitimately confirmed as mine

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE 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 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 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year>, I attempted to pay the final balance on my Citibank credit card in the amount of {$1.00}. Due to a clerical error, the payment was returned. Citibank subsequently charged me a {$41.00} 'Returned Payment Fee '. This fee represents a 2,252 % penalty relative to the {$1.00} transaction amount. I contacted Citibank customer service on XX/XX/year>, and spoke with a supervisor, Agent ID : XXXX. I explained that I had already re-submitted the {$1.00} payment in good faith and requested a one-time courtesy waiver for the {$41.00} fee so that I could XXXX out the balance and close my account. The supervisor refused to waive the fee, claiming that 'nothing can be done ' until a statement is generated, despite the charge already being posted to my account. I believe this {$41.00} fee is a 'junk fee ' that is not 'reasonable and proportional ' to the omission as required by federal Regulation Z. As a resident of Massachusetts, I believe the banks refusal to provide a waiver for a {$1.00} clerical error initiated on XX/XX/XXXX constitutes an unfair practice.

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 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Flexible Finance, Inc.
State: GA

Complaint narrative:
I need to file a complaint. Flex renters is a financial institution that allows you to pay a monthly small portion of your rent. I closed the account the month of XXXX and was told I needed to pay the second payment. But because I have to pay rent right away, I was not able to pay my portion and therefore asked for either an extension or pay in small increments monthly to pay it off. I have been waiting almost a month or more for responses until a manager responded finally. I was told by said manager if I was not able to pay the full XXXX or a partial payment with the 3 month option for the monthly payments at XXXX. Now Im being forced to pay more when I initially asked for the 3 months for the very reason that I can not pay a larger amount up front for the two months. Instead of allowing me to speak to management or review additional options. Im now forced to go directly to collections instead. With no explanation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have been enrolled in the Income-Based Repayment ( IBR ) plan since XXXX ( approximately 14 years ). My current required monthly payment under the plan is {$0.00}. I have consistently remained in good standing by meeting the {$0.00} payment requirement each month. Interest continues to accrue on my approximately {$46000.00} balance, and I am making small voluntary payments ( slightly above monthly interest ) that I can scarcely afford, solely to slow the growth of the debt. However, these voluntary payments provide no additional clarity or confirmed benefit toward my forgiveness timeline. Despite this long-term compliance, my loan servicer ( Nelnet ) is unable to provide basic and essential information about my account, including : A printed or detailed payment schedule, the number of qualifying payments I have made toward forgiveness, a clear timeline or projection for when I will reach the 25-year forgiveness threshold under IBR rules When I contact Nelnet most recently today XX/XX/XXXX and many times over the past couple of years, representatives state that they are not seeing any payment schedule generated for this account and that IDR payment count and payment history are temporarily unavailable due to a federal court injunction related to the Saving on a Valuable Education ( SAVE ) Plan. This response has remained unchanged for years.As a result, I have no visibility into my progress toward forgiveness, even though I entered the plan in XXXX and have maintained continuous qualifying status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding Citibanks Safety Check overdraft protection feature and its failure to operate in a manner that allows customers to reasonably avoid harm. I maintain a Citibank checking account linked to a savings account for overdraft protection ( Safety Check ). At the time of the incident, my savings account held sufficient funds to fully cover a {$200000.00} IRS ACH tax payment. On XX/XX/year>, the IRS debit was initiated. On XX/XX/year>, the payment was returned for insufficient funds. Citibank has confirmed that the payment failed solely because an internal transfer limit of {$99000.00} per statement cycle was reached, despite sufficient funds being available in my linked savings account. Citibank relies on disclosure of this limit within periodic account statements. However, this limitation was not disclosed or implemented in a manner that a reasonable consumer could rely upon when initiating a high-value, time-sensitive payment. Specifically : The transfer cap is disclosed only as a passive line item within a monthly statement, not within the overdraft protection setup, account interface, or payment flow The system executed multiple transfers from savings to checking leading up to the transaction, creating a reasonable expectation that overdraft protection would continue to cover the full amount Citibank provided no real-time warning, alert, or control indicating that the transaction would exceed the overdraft transfer limit and fail Citibank had full visibility into the payment amount, available savings balance, and transfer cap, yet allowed the transaction to proceed and fail without intervention This design resulted in a foreseeable and preventable failure of a federal tax payment. I have since received IRS Notice XXXX confirming that the returned payment resulted in assessed penalties and interest. The IRS explicitly states that the penalty was charged because the bank did not honor the payment. The financial impact is : {$4000.00} dishonored payment penalty {$1000.00} failure-to-pay penalty {$630.00} interest Total damages to date : {$5700.00} This harm occurred despite sufficient funds being available and an overdraft protection feature being active. I am requesting that Citibank : Reimburse the full amount of IRS penalties and interest totaling {$5700.00} Review and correct how overdraft protection limitations are disclosed and operationalized, including providing real-time warnings or controls for transactions that exceed internal transfer limits Confirm corrective actions to prevent similar occurrences for other customers This issue is not simply a contractual dispute. It reflects a gap between disclosure and actual system behavior that prevents consumers from reasonably avoiding harm.

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 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C.
State: NC

Complaint narrative:
I am currently looking for a place to live and I keep getting denied because this is still on my credit I dont remember the date Ive paid this off but it was earlier this year maybe XXXX or XXXX. She told me that she called the credit bureau XXXX XXXX. It is now XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The company Capitol One, when I tried to pay the {$400.00} plus said they could not find my account. Tried to dispute this with all three credit bureau I the month of XXXX they said there were nothing to dispute. Need this removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
NOTICE OF DISPUTED ORIGINATION AND REQUEST FOR RESCISSION REVIEW Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX Department Re : Request for Rescission Review Disputed Vehicle Loan Origination To Whom It May Concern : I am writing to provide formal notice that I dispute the origination of my recent vehicle loan and request immediate review for rescission, dealer misconduct, and fraudulent inducement. This vehicle transaction was not entered into through a fair, informed, or transparent process. I was induced into this loan through material misrepresentations made by dealership staff at XXXX XXXX, including sales staff and management, regarding the disposition of my existing XXXX loan and the financial consequences of surrendering that vehicle. At the time of this transaction, I was already financially distressed and behind on my XXXX payments. I went to XXXX XXXX seeking a less expensive vehicle and believed I was pursuing a transaction that would reduce my financial burden. Instead, dealership staff represented that my XXXX would be handled through consignment and that I would not remain liable for any deficiency balance if I left the vehicle behind as instructed. I was specifically told that there would be no deficiency judgment on the XXXX I was leaving behind. I relied on that representation in agreeing to proceed with the second vehicle transaction. I was then induced into a second vehicle loan at a substantially higher interest rate while still remaining exposed on the original XXXX obligation. The promised consignment did not occur. The XXXX was not resolved as represented. I was left exposed on both vehicle obligations, including a second loan I would not have entered into absent the dealerships representations regarding the XXXX. Because the second loan was induced by material misrepresentation and deceptive dealership conduct, I dispute the validity of the origination and request that this account be immediately flagged as disputed pending review. I am requesting the following : Immediate account notation that the loan origination is disputed ; Internal fraud and dealer misconduct review ; Review for rescission, unwind, dealer buyback, or other available corrective remedy ; Temporary suspension of adverse collection activity pending investigation ; Preservation of all origination, underwriting, funding, and dealer assignment records ; Copies of all loan origination and funding documents related to this transaction. This notice is not a refusal to cooperate. It is formal notice that the loan was procured through disputed dealership conduct and that I am preserving all rights, claims, defenses, and remedies. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Received a collection notice from Jefferson Capital for a debt from XXXX from XX/XX/year> for XXXX for phone number XXXX. I do not and have not used XXXX in more than 15 years. They used my name, current address, and social security number. The above is NOT my phone number. Jefferson Capital has the owner of that phone number at XXXX XXXX XXXX, XXXX, FL. I do not, nor have I ever visited or lived in Florida.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: National Enterprise Systems, Inc.
State: LA

Complaint narrative:
I am filing a complaint against National Enterprise Systems regarding a collection about an alleged {$44000.00} debt. During the call, the representative used aggressive and coercive tactics including : -pressuring me to put a {$17000.00} settlement on a credit card. -Advising me to withdraw funds from my XXXX XXXX XXXX XXXX to pay the debt -Stating he " guarantees '' I will be forced to pay the full {$44000.00} -Using a threatening and intimidating tone regarding legal action Additionally, during the call, the representative accessed and read details from my credit report, including my mortgages and credit card accounts and available credit limits. He then used this information to pressure me into paying the debt by suggesting I use available credit or other financial resources. This felt invasive and was used in a coercive manner to push me into making financially harmful decisions. The way this information was presented contributed to an intimidating and pressured interaction. I attempted to negotiate in good faith and offered a reasonable settlement based on my financial situation, but the representative dismissed this and continued to pressure me into making financially harmful decisions. At the end of the call, the representative stated he was " terminating the call '' and that my account would be marked as a refusal after I declined the proposed settlement. This was said in a way that felt punitive and intended to pressure me into accepting terms I could not afford. I believe these actions may violate the Fair Debt Collection Practices Act, including harassment, coercion, and misleading representations. I am requesting : -That the conduct be investigated. -That the company cease using coercive and misleading tactics. -That all further communication with me be conducted in writing. I am willing to resolve this debt, but not under pressure or through harmful financial advice. XXXX XXXX is the agent name.

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 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding repeated and disruptive collection calls from Capital One Auto Finance related to my auto loan account. I am not disputing the debt and have not requested that communication cease. My complaint is specifically about the * * method and frequency of contact * *, which has become excessive, ineffective, and invasive. Over a period of several weeks, I have received * * multiple calls per day * *, often from automated dialing systems. A significant number of these calls result in * * dead air, long delays, or no live representative responding within a reasonable timeframe ( typically XXXX seconds after I answer ) * *. In many cases, I am forced to disconnect the call due to the absence of a live agent. This pattern strongly suggests the use of a * * predictive dialer system that is initiating calls without agent availability * *, resulting in repeated abandoned or non-productive calls. These calls are disruptive and serve no legitimate purpose in resolving the account. Additionally, when representatives do connect, communication is often delayed and highly scripted, further reducing the effectiveness of the contact attempts. The overall experience reflects a system designed for volume rather than meaningful customer interaction. This conduct appears to violate consumer protection standards regarding : * * * Repeated calls with the effect of harassment or annoyance * * * * * Use of automated dialing systems that generate abandoned or dead-air calls * * * * * Failure to provide timely connection to a live representative * * I am requesting that Capital One : XXXX. * * Cease the use of automated or predictive dialing systems that result in dead air or delayed agent connection * * XXXX. Limit contact to * * reasonable frequency with immediate live-agent availability * * XXXX. Ensure that future communications are conducted in a * * functional and non-disruptive manner * * I am willing to communicate regarding this account, but not under conditions that involve repeated, non-productive, or intrusive automated calls. I have retained call logs documenting the frequency and pattern of these calls and can provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am filing a complaint against National Credit Systems regarding a fraudulent and unverified {$16000.00} debt reported on my credit file on behalf of XXXX XXXX. I paid my final rent on XX/XX/year>, before being terminated later that same day. My lease was confirmed terminated immediately, yet the company attempted to add additional rent charges and later reported a large collection amount that includes rent I do not owe and fabricated damages. I was never provided an itemized statement, proof of damages, or proper notice of these charges. I was also denied a move-out walkthrough due to eviction circumstances. I previously disputed this account with XXXX, and it was verified without any documentation being provided to me. I have now formally requested validation of this debt. This situation caused severe financial harm, including homelessness for myself, my pregnant partner, and our two children. I am requesting full investigation, validation of the debt, and removal of this account if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: OH

Complaint narrative:
First reported this incident back in XXXX of XXXX. This is when the account claims it was opened by me. The remarks are " place for collection Account information disputed by consumer, account information disputer by consumer. '' I have tried to resolve this or prove the debt actually belongs to me several times. This is the same account that gets reported back onto my collections every few months. The amount is XXXX. The amount is always XXXX. This debt is not mine. I did not open any accounts with this lendor or any other affiliated lenders during this time. The account gets removed once I ask for proof, and then reappears months later. Last reported on XXXX XXXX. I am writing in response to your communication regarding the above-referenced account. I dispute this debt in its entirety, as I do not believe it belongs to me. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of this alleged debt. Please provide the following : The name and address of the original creditor The original account number Documentation showing I am legally obligated to pay this debt A complete payment history Verification of your authority to collect on this debt Until you provide proper validation, I request that you cease all collection activities and reporting to credit bureaus regarding this account. If this account has been reported to any credit reporting agency, I request that it be immediately removed pending verification. Please note that I prefer all communication regarding this matter to be in writing only. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation