vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I got a call from a very loud call center ran by XXXX speaking people claiming to be from credit management company saying I owe {$120.00} when I'm already paying on this debt with a different collection agency. The number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by third-party debt collectors on my consumer credit reports. 

Multiple accounts are being reported by collection agencies rather than the original creditors. I have requested validation of these debts, including verification of the original creditor, the original date the account was opened, the date of first delinquency, a complete payment history, and documentation establishing the collectors legal authority to collect the alleged debt. 

To date, I have not received sufficient validation. 

Additionally, I have concerns that some accounts may be inaccurately dated or improperly re-aged. The reported account opening dates do not appear consistent with the original creditor relationship and may be misrepresenting the age of the debt. 

There are also inquiries appearing on my credit report associated with accounts for which there is no current open account relationship. I am requesting confirmation of the permissible purpose for these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting and proper validation of any alleged debt. If these accounts can not be properly validated and accurately documented, I am requesting their immediate removal from my credit file.

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 2026-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have received over XXXX phone calls since XX/XX/XXXX ( through XX/XX/XXXX - average XXXX calls a day-all different phone numbers- all over the country ) from a company calling themselves : Card Member Services Protection XXXX XXXX XXXX XXXX XXXX. When I have engaged with a representative, I have been told that they received my information from Experian. This is disturbing as Experian is one of the Credit Reporting Bureaus. I filed for Debt Restructuring in XX/XX/XXXX. The calls started in XXXX XXXX I didn't start keeping track until XX/XX/XXXX. The script is the same on each call, they have the last ( 4 ) of my Social Security number, my name and address as well as my credit report. When I indicate I am not interested, I am told I don't have a choice, but must " listen '' to their " offer ''. I have requested Do Not Call ( DNC ) to no avail. I have been told there is no way to Opt-Out. None of the representatives are native English speakers ( they have XXXX accents ) and they are located in a Call Center which you can hear the noise in the background. If you call back a number, it is a " disconnected ' number- with the continuous buzz. I just want the calls to stop. This feels like harassment and stalking. Any assistance is greatly appreciated.

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 2026-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
1. Jefferson Capital systems trying to collect on a closed account in the amount of {$790.00} XXXX. XXXX XXXX XXXX trying to collect on a closed account in the amount of {$770.00} XXXX XXXX trying to collect on a closed account in the amount of {$380.00} XXXX. XXXX XXXX XXXX trying to collect on a closed account in the amount of {$520.00} I have asked for proof of the contract that shows my signature and when/ how do I owe them on these accounts. I have asked for deletions of these above accounts. I sent out certified mail on XXXX XXXX to each company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I am disputing inaccurate information being reported on my credit report by MARINER FINANCE. The account shows a charge-off of {$5600.00}, with 26 potentially negative months, and a past due balance of {$5600.00} as of XX/XX/year>. I have previously submitted a dispute to the credit bureau, but the account was marked as verified and remains on my report incorrectly. The reporting is inaccurate and does not reflect the true status of the account. I request that the inaccurate information be removed from my credit report to comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have received a response from Law Firm XXXX and XXXX that creditor Midland Funding is claiming I owe them {$1400.00}. I have no knowledge of this debt and I cant even find them on my credit report. I had my identity stolen back in 2008 and this is when this occurred. I never received any notification or contracts from Midland Funding XXXX. FL statue section 559.55-559.785 protects consumers like myself from creditors attempting to collect debt without proper validation. They have even hired a law firm and have garnished my wages without my permission. How is this even possible or legal if this company is not even on my credit report? 

Please investigate this illegal activity! 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am filing a complaint regarding my banks deceptive and inadequate disclosure of changes to the minimum balance required to avoid a monthly service fee on my checking account. 

Previously, the minimum balance required to avoid the monthly fee was {$500.00}. The bank increased this minimum balance requirement to {$1500.00}. However, this significant change was not clearly communicated in a direct or conspicuous manner. 

The bank did not send an email or other direct communication clearly stating that the minimum balance requirement was increasing or that the monthly service fee waiver terms were changing. There was no email with a subject line indicating a change to the monthly service fee or waiver requirements. Instead, the change was disclosed only within my monthly checking account statement, buried in a disclosure at the very bottom of the document. The email notification that my monthly statement was available did not mention any changes to fees or minimum balance requirements. 

As a result, customers would have to open the statement, scroll to the final disclosure section, and carefully read through it to discover this material change. This method of disclosure is not reasonably calculated to provide meaningful notice of a significant fee increase. Increasing the minimum balance requirement from {$500.00} to {$1500.00} is a substantial change that materially affects customers and should have been clearly and conspicuously communicated. 

I believe this practice is deceptive and unfair because it obscures important account changes in a manner that minimizes the likelihood that customers will notice them before incurring fees. 

I request that the CFPB investigate this matter and require the bank to : Reverse any monthly service fees assessed as a result of inadequate notice. 

Provide clear, conspicuous, and direct communication of material account changes in the future. 

Review whether this practice complies with federal consumer protection laws regarding unfair, deceptive, or abusive acts or practices. 

Thank you for your review of this complaint.

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 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
This is the second time this issue has come about. 

Rocket mortgage cashed my mortgage and principal checks twice. 

Check number XXXX for {$890.00} and check XXXX for {$100.00} were both cashed again as two checks with duplicate number XXXX thus removing an extra and unauthorized {$1000.00} from my checking account. This happened last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
Bill was from XX/XX/year> and was paid in XXXXXXXX XXXX XXXX XXXXXXXX internet, transferred to CBE group collection where they call 3 times a day at all times of the day and night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
My car was taken by Prestige Financial because I have no valid drivers license which they finance the car for me with no driver license only requiring that I kept full coverage insurance on it which was in the contract that I signed they came and took the car said they was holding it until I get my license back and they still expect payments from me and they also calls and harass me about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: IN

Complaint narrative:
STOP CALLING. STOP TEXTING. STOP HARASSING. STOP IT!

STOP CALLING. STOP TEXTING. STOP HARASSING. STOP IT!

STOP CALLING. STOP TEXTING. STOP HARASSING. STOP IT!

These people constantly call my home phone, text, and contact others and willingly blurt out the last 4 of the SSN of the person they are looking for. I have told them REPEATEDLY to STOP calling my home and cell.

They claim to want to " verify '' someone but if I am not the person you need to speak with and someone asking who they are and what company, they shouldn't be giving me the last 4 of someone's SSN immediately.

" Is this ( person A ) with the last 4 of your social security number being XXXX? '' That is crazy to be the first thing asked to verify someone BEFORE they are even verified. I don't owe them anything or have know knowledge of any accounts being in collections. I did dispute something with XXXX and it was found to be inaccurate so it was swiftly removed from my credit reports. 

I have asked REPEATEDLY for them to stop calling my home and they continue to do it anyway with attitudes and are rude. The next time they call me, I will not be as friendly and won't be a dictionary large enough to hold all ( curse ) words I will be hurling at the disrespectful reps that call and harass constantly. 

Send this fake debt back to your XXXX and DO NOT CALL OR ATTEMPT TO CONTACT ME BY ANY MEANS or ANYONE BELIEVED TO BE ASSOCIATED WITH ME. EVER. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. FORMAL COMPLAINTS WILL BE FILED AGAINST YOU IF YOU CONTINUE TO VIOLATE MY RIGHTS. STOP CALLING, TEXTING, MAILING, and HARASSING ME! 

Send this fake debt back to your XXXX and DO NOT CALL OR ATTEMPT TO CONTACT ME BY ANY MEANS or ANYONE BELIEVED TO BE ASSOCIATED WITH ME. EVER. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. FORMAL COMPLAINTS WILL BE FILED AGAINST YOU IF YOU CONTINUE TO VIOLATE MY RIGHTS. STOP CALLING, TEXTING, MAILING, and HARASSING ME! 

STOP CALLING. STOP TEXTING. STOP HARASSING. STOP IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I stayed at XXXX, upon checking in I planned of staying 2 nights but I was called in a day early so I cancelled the 2nd night a return of {$110.00} and a deposit of {$50.00} was to be returned to my PAYPAL ACCOUNT I called to see why the return didn't go back to XXXX contacting both XXXX and PayPal. The money was released from merchant ( XXXX XXXX ) and then made a. Phone call to PayPal. I spoke with a Rep he stated he seen my funds and deposit and was going to issue my refund and id have it before I ended the conversation. After the call I checked my PayPal account and {$50.00} was returned and {$110.00} was not I called back and had spoke with another agent being a female this time she said she advised I filed a dispute which I refused she insisted that I would only receive money if I filed dispute and showed a receipt stating the return I then did just that and before we ended our conversation she said she was adding a note stating release of funds upon proof of sale and return 6 days later no return. She said and I'm on a recorded line according to PayPal you will get your funds upon the bill of sale. I did not want to file a dispute because I know the companies like PayPal drag there fret and do everything in there power to prolong the return .. now no one knows anything and it's just a headache period I've missed work 2 days now all my money is tied up in a job I need to get to work one more day to get my own money from purchasing materials and my pay for work completed. Why is it these fintec companies get away with so much and do so little and no one is doing anything about it the real banks financing businesses is really the beneficiary of this nightmare someone needs to stand up for consumers and stop this nonsense!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 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: SUN WEST MORTGAGE COMPANY, INC.
State: FL

Complaint narrative:
I requested a partial claim which they advised initially would be allowed until I was ready to reinstate payments as I had found a job. They advised I wasn't eligible for the partial claim due to changes in the FHA program guidelines and would look at modifying my mortgage to help me afford to keep my home however the mod payment extended out 480 months with a much higher monthly payment. My payment is going from {$2800.00} to over {$3400.00} a month and this is them telling me it's this or loose my home bc they have no better options to offer me and cohercing me to sign immediately though I asked them to explain how I can afford based on my income to show me how they qualified this payment and the documents were never received during the 12 month wait period they held up the modification which increased the amount to be included in the mod to accumulate with interest to over $ XXXX making the new amount being amortized astronomical and they aren't taken any responsibility for the delay. One delay for months was a request for documents they had in file for a mechanic lien from a plumbing company which was {$2300.00} in XXXX they paid $ XXXX after I reached out to them for help with this false lien from a company that did no work on my home but penalized me and sunwest paid them $ XXXX and made me pay it back for a {$2300.00} lien that they cleared and requested me to document bc it came up on title for documentation they had bc they cleared the lien and I reimbursed them! They also lied to me many times initially in saying the mod would allow me to afford m payments and keep my home and instead they delayed the time to increase the UPB before creating the new mod payments and I feel victimized bc I am unknowledgeable of how they continue to mishandle me take advantage of me by taking 12 months to make the mod just to increase and telling me i can't make a payment until the mod was completed I am having anxiety can't sleep really ready to give up on life bc of how sunwest mortgage is handling my life and the balance owed with significantly increased monthly payments scheduled to begin XX/XX/XXXX initially when I communicated my concerns they push the initial start date of the payments out a month while pushing my back further up against a wall with no escape with no other option to lower my payment to date offered just an option to fail knowingly based on my monthly income provided. Please help me save my home and my health placing anyone in this predicament

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
Asked to refinance my Loan with Ford motor Credit they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NY

Complaint narrative:
XX/XX/XXXX my brother passed, he had {$140.00} in his XXXX PayPal account. After alerting PayPal via their message system that of his death and request for remaining funds in his account, they immediately XXXX out his balance. After asking for return of funds that was left in my brother account they asked for death certificate, I provided the death certificate twice XX/XX/XXXX. They said they would check to brothers old account I advised it would be sent back to them they ignored this and said wait 10 days. This was in XX/XX/XXXX. I called them back hoping to give forwarding address but they ignored request.

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 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year> I tried using their phone service to pay my monthly bill in its entirety the system denied the payment at the bank so I sent in a check and paid it entirely with no late payment or penalty I asked the bank why it didnt go through the girl told me I entered too many zeros in the account number and just enter the numbers in XXXX I again tried using the phone system and left the zeros off and again it was rejected so I took a physical check to XXXX XXXX and paid it in full once again my wife was buying groceries a week later and attempted to use the card and it was rejected saying account closed I immediately called customer service and after numerous supervisors was told because I had two attempts to pay by phone that were rejected by the bank they shut the card off and told me there was no way to turn it back on even though they stated I have never been late nor paid any interest on my card that I have had for 10 years they said they would submit it for review but were not optimistic that it would be resolved soon

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 2026-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My documents have been verified as proper. Under FCRA 605C ( c ) ( 1 ), all trafficking-related accounts must be blocked within 4 business days of receiving proper documentation. Any further delay is a violation of federal law. I demand immediate blocking.

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 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
b"I've had my PayPal account for about 8 months, and I've never had a complaint or dispute. A couple of days ago, I received two payments from the same client on different days: XXXX XXXX  and then XXXX XXXX  These payments were for my digital marketing, graphic design, and social media management services. PayPal limited my account and asked me what the payments were for. I explained, and they decided to permanently block my account, leaving a balance of XXXX  I've tried contacting PayPal, but they haven't responded through any channel."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint against Capital One for a violation of Regulation Z ( 12 CFR 1026.10 ) and inaccurate reporting under the FCRA. 
I authorized a payment of {$110.00} on Sunday, XX/XX/XXXX ( XXXX ID : XXXX ). Because Monday, XX/XX/XXXX was XXXX ' Day ( a federal holiday ), the payment settled on the first available business day, Tuesday, XX/XX/XXXX. 
Despite this being a legally on-time payment, Capital One 's automated system triggered a 'Charge-Off ' on the holiday. I spoke with XXXX XXXX on XX/XX/XXXX for 40 minutes ; they acknowledged the holiday delay caused the error but refused to provide a case number or stop the derogatory reporting.

Company response to consumer: Closed with explanation