vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: NC

Complaint narrative:
I am the victim of student loan fraud/identity theft. Federal student loans were taken out in my name without my knowledge or authorization. 
I submitted disputes and identity-theft documentation to XXXX XXXX XXXX  ( XXXX ). XXXX has refused to proceed with its investigation unless I provide the following items : A full, unredacted Social Security card / full XXXX XXXX XXXX XXXX XXXX diploma XXXX has stated in writing that these items are required by the XXXX XXXX XXXX  in order to process a fraud discharge and that without them the XXXX XXXX XXXX can not investigate the fraud. When I asked them to provide written confirmation from the XXXX XXXX XXXX identifying the specific fraud discharge program or regulation under which these documents are required, they could not do so. 

I dispute this claim. Educational diplomas are not a lawful or reasonable method of identity verification under the Fair Credit Reporting Act, nor are they required for a federal student loan identity-theft or fraud discharge. Requiring a full, unredacted Social Security number is excessive, unnecessary, and creates a heightened risk of further identity theft. 
I have repeatedly offered to provide all reasonable and customary documentation to verify my identity, including : Government-issued photo identification Proof of current address Proof of Social Security number showing the last four digits only Redacted bank statement FTC Identity Theft Report and police report, if required XXXX has rejected these documents and continues to condition investigation of my dispute on providing diplomas and a full SSN, without citing any statute, regulation, or written XXXX XXXX XXXX guidance that mandates these items. 

By imposing unreasonable and irrelevant documentation requirements, XXXX is effectively preventing investigation of a valid fraud dispute, in violation of its obligations under the Fair Credit Reporting Act. I am requesting regulatory review and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation
State: DE

Complaint narrative:
I am submitting a complaint regarding unauthorized withdrawals, lack of fee disclosure, and failure to respond to written communication involving Albert ( XXXX XXXX XXXX ). 

On XX/XX/year>, I sent a written email directly to Alberts support address ( XXXX  ) requesting confirmation that my account did not include, and would not include, any program, membership, or ancillary fees beyond the amount of the advance and any legally disclosed finance charges. This is one of the only contact methods the company provides, aside from a support text number.

My written request was sent before any funds were withdrawn. I received no response.

Despite this, money was withdrawn from my bank account without the written confirmation I requested. Because the company did not respond and did not provide disclosure before charging my account, I consider these withdrawals unauthorized and disputed.

When attempting to manage and close my Albert account, the app states that : The account must have a {$0.00} balance before it can be closed Users must withdraw funds and wait for transactions to finish Support is limited to texting XXXX or emailing XXXX Debit card verification is required during closure This creates a situation where consumers may be unable to stop withdrawals while disputes are pending, and charges may continue processing while the account remains open.

Issues Failure to respond to a formal written inquiry regarding fees Withdrawal of funds after written notice requesting disclosure Lack of clear, advance written disclosure of program or membership fees Account closure practices that may allow continued charges Processing debits while a dispute and clarification request was pending

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One sold an old account of mine to XXXX XXXX, and I want all collection activity on that account to stop. I can not pay any old debts because my only income is XXXX, and continued collection attempts create serious hardship. I have been receiving repeated calls from multiple similar numbers, and some of the information used by collectors has been inaccurate. In the past, collectors contacted employers I never worked for and placed a lien in XXXX XXXX without ever serving me papers. One alleged balance was originally around XXXX dollars and has been increased to XXXX dollars without explanation. I also had issues with XXXX XXXX, where the required computer failed within months and they did not assist me. My student loans were later XXXX due to XXXX, so any attempts to collect on those should not be happening. I have been trying to manage my current financial responsibilities, but I can not take on old, invalid, or unverified debts, especially those that were never properly validated or legally pursued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I disputed this item at least XXXX  times through XXXX XXXX and the result. I keep getting is " unknown ''. If the information requested is unknown, it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have had chime for over a year and finally decided to use it for direct deposit and lees than a week I get a email and message they are closing the account t for no reason. When I contacted chat they stated thy cant give reasons. I have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America customer service has declined given their size and revenue. A few weeks ago I called their fraud department. Due to a baby/child crying and making noise in background I had hard time understanding and hearing the employee. They kept putting me on hold claiming they needed to check on something. Today I got another fraud alert and when I called BOA. It took over XXXX minutes to speak with someone to resolve the fraud issue. Customers should not have to wait this long to speak with a BOA employee to resolve banking issues, takes time from our workday due to BOA poor customer service.

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 2026-01-27 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: MD

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 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against a debt collection company that has initiated a lawsuit against me in Texas without providing proper debt validation, including the purchase agreement or any documentation proving their legal right to collect or sue on the alleged debt. 



On or about XX/XX/year>, I submitted a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically asked for documentation showing : A copy of the purchase agreement or assignment demonstrating lawful transfer of the debt to them To date, the collection company has failed to provide the requested validation. They have not produced a purchase agreement, bill of sale, assignment, or any other admissible proof showing that they legally purchased or own the alleged debt or have standing to bring a lawsuit. 



Despite failing to validate the debt, the company has continued collection activity by pursuing a lawsuit against me. Filing or continuing a lawsuit without first validating the debt constitutes collection activity and appears to violate the FDCPA. As a Texas consumer, I am also concerned that this conduct violates Texas debt collection laws, which prohibit deceptive, unfair, or misleading practices. 



I am requesting that the CFPB : Investigate this debt collection companys conduct Require the company to provide proper debt validation, including the purchase agreement or chain of title Take appropriate action to stop or address the lawsuit until lawful proof and verification are provided I have acted in good faith to assert my consumer rights, yet the collection company has ignored my lawful request and proceeded with legal action without evidence of ownership or accuracy of the alleged debt. 



Thank you for your assistance in this matter. I am prepared to provide copies of my validation request and any related correspondence upon request. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Mercury Technologies, Inc.

Complaint narrative:
On XX/XX/XXXX, I received a notice from Mercury Bank that my business account was being closed. At the time of closure, the account had a remaining balance of XXXX USD. 
On XX/XX/XXXX, I provided alternative bank details and requested that the remaining balance be returned via bank transfer to another account. 
On XX/XX/XXXX, Mercury responded stating : We are unable to disburse funds in a manner other than check payment. The remaining funds have been sent via check to the shipping address on file for the account. Please note that this will be our final communication regarding this matter. 
The check was sent to the companys registered address, which belongs to a former registered agent and is no longer accessible. I never received the check, and the funds were not returned. 
Since that message, Mercury has refused to communicate further and has not provided any assistance in resolving the issue. On XX/XX/XXXX, I contacted Mercury again to request the return of my funds, but I did not receive any response. 
I believe it is unreasonable and inappropriate for a financial institution to refuse further communication while still holding a customers funds. Declaring final communication does not resolve the issue, especially when the funds were not successfully returned. 
As a XXXX resident, I do not necessarily have easy access to U.S. banking infrastructure to deposit a physical check. A financial institution should reasonably anticipate such situations and provide a viable method for returning funds, particularly when the customer has clearly requested and is willing to provide alternative bank details. 
As of today, my funds remain inaccessible, and Mercury Bank has failed to return my money or provide a reasonable path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
The loan number w/ Rocket Mortgage was XXXX On XX/XX/XXXX a payoff request was sent to Rocket Mortgage due to a refinance I was making on my loan w/ Rocket. On XX/XX/year> I refinanced my mortgage. During the closing I paid my property taxes to the county by check. XXXX XXXX accepted my payment. Due to Rocket Mortgage different departments not knowing what the other was doing, they also paid my property taxes to XXXX XXXX. Even though I refinanced my loan with a different lender and already paid the taxes. 

After a couple of weeks Rocket paid me for my property insurance in my escrow account but didn't include the {$7400.00} for my property taxes. That is when I first used the chat feature and later called the property tax team and was told about the error they made. They claimed it wasn't there fault even though the pay off request was made 3 weeks before they sent the tax payment to XXXX XXXX. They said they would request the money back from the county and then send it back to me.

I then followed up on XX/XX/XXXX and was told they had started the process and that I should contact the county to speed up on their end.

I contacted the county and was able to get in touch w/a supervisor who looked into the process. They told me the payment was sent over in a batch and they had to going through the batch and then divvy up the funds to the particular accounts. 

Here we are on XX/XX/XXXX and I still do not have my money. I also feel I should be paid interest on the funds since this wasn't an error of my doing. Rocket is a XXXX  XXXX dollar company. And from speaking to both the county and Rocket this is an " accounting issue ''. Rocket now tells me that they confirmed the money was sent back to them on XX/XX/XXXX in a " batch '' and the accounting department is going through it to eventually return the funds to me. I have sent them mutiple emails without a response and had to sit on hold for 10 minutes to finally be told about them receiving the funds. But they still haven't sent it to me and still can not tell me when I will get my funds. They also indicated that someone on the property tax research team is supposed to f/u with accounting dept on XX/XX/XXXX???? This is no way to treat a customer. I could understand if this was a normal issue, but they made the error and I have reached out to them multiple times and these doesn't seem like a reasonable remedy. If they have confirmed they have the money back, why wouldn't they send me the money and fix their " accounting '' issues down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My BMO XXXXXXXX XXXX XXXX XXXX credit limit was reduced from approximately {$12000.00} to {$1700.00}. On XX/XX/year>, BMO issued an adverse action notice stating the reduction was based in whole or in part on information from XXXX, citing generic reasons including derogatory public record or collection, high balance-to-limit ratios, recent or unknown delinquency, and length of credit history. 

I contacted BMO and submitted a formal written complaint requesting clarification and verification of the specific information relied upon. BMO did not identify any specific public record, collection, delinquent account, or criteria used. I also filed a XXXX  complaint. I am seeking a clear written explanation and correction if inaccurate or incomplete information was used.

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Solar Mosaic LLC
State: WA

Complaint narrative:
I was visited by a sales person trying to set me up with a solar panel installation in XXXX of XXXX at my house. We discussed it and thought it was a good idea. I signed up for the solar panels to be installed by XXXX XXXX and financed by Mosaic LLC. I then ended up cancelling the project in XXXX of XXXX. I thought i had at least. In XXXX of XXXX i noticed on my credit the solar loan. I contacted XXXX XXXX to see about the cancellation. They had said they have started the cancellation and it has to go through their cancellation queue to be sent back to mosaic. I was notified this could take up to 180 days. In XXXX of XXXX I was notified that Mosaic was going bankrupt and the bankruptcy hearings need to be finalized before my cancellation can be finished. I was speaking mainly with XXXX XXXX up to this point. They kept telling me that it will be handled. Now in XXXX of XXXX Mosaic has finished the bankruptcy hearings and has turned in Solar Servicing LLC. I contacted Solar Servicing LLC and they told me they never got the cancellation request from XXXX XXXX. I called XXXX XXXX and they said they did send it in XXXX of XXXX. I requested they send it again and give me an email stating they did. I received this but Solar Servicing LLC says they still have not received it. I have been trying to contact XXXX XXXX since XX/XX/XXXX and have not been able to get through. Emails are not returned and phone calls do not connect. Solar Servicing LLC says they can not do anything until they hear from XXXX XXXX. I have not paid anything towards this loan as I was able to get Solar Servicing LLC to make my first due date XX/XX/XXXX. I never received the panels, no funding, but my credit has been impacted. I am hoping that this can be cancelled and taken from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Today XX/XX/year>, after confirming an unauthorized transaction, TD Bank continued to restrict access to my funds by maintaining a fraud block on my card for an extended period, causing additional harm during active remediation and a weather emergency. 

Pursuant to Regulation Es error-resolution requirements, TD Bank failed to properly complete remediation after I timely reported and confirmed an unauthorized electronic fund transfer. Instead of restoring my account to the position it would have been in absent the error, TD Bank imposed additional restrictions and fees and continued to limit access to my funds.

After I confirmed that the transaction was unauthorized, TD Bank escalated internal fraud and risk controls that resulted in repeated identity-verification requirements and extended blocks on my ability to access funds. These restrictions were not caused by consumer conduct and persisted despite my cooperation, effectively conditioning access to my own funds on internal processes unrelated to resolving the unauthorized transfer.

During this period, TD Bank assessed additional overdraft and service fees and restricted access to funds necessary to meet essential needs, including care for dependents, thereby causing continued and compounding harm during the error-resolution process.

Regulation E requires financial institutions to investigate promptly, correct errors, and restore consumer accounts without imposing additional consumer injury during the resolution period. TD Banks actions instead prolonged harm, failed to contain the effects of the original error, and did not return the account to its pre-error state in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: AK

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am disputing an XXXX XXXX XXXX XXXX account that appears on my credit report. I did not open this account, and I did not authorize anyone to open it on my behalf. 
On XX/XX/XXXX, I received repeated calls from XXXX XXXX. When I answered, their representative checked their system and confirmed that there was no account under my name and that I owed nothing. Despite this, my credit report shows an XXXX XXXX XXXX XXXX account with an opening date of XX/XX/XXXX. 
On XX/XX/XXXX, I reviewed my credit report and discovered this account for the first time. There is no possible way I could have opened it, as I was experiencing homelessness during that period. I can provide proof of my circumstances and timestamps of my communications. 
I contacted Chime to report the issue and express concern that the application may have been submitted internally by one of their employees. Instead of receiving assistance, I was repeatedly transferred, dismissed, or argued with, and I never received clear information or support. 
I did not apply for this account, I did not authorize it, and I did not make any charges. I am requesting that this account be removed from my credit report immediately and marked as fraud. I also request the removal of any related inquiries or negative information associated with this unauthorized account. 
I will also be filing a police report regarding this identity theft and will provide that documentation as soon as it is available.

Company response to consumer: Closed with explanation