vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Integrity Funding Ohio, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I just paid off a previous title loan with XXXX XXXX XXXX in XXXX XXXX Texas applied for another one because we were getting evicted and I needed to find a place to live The loan amount was {$1100.00}. Between the months of XX/XX/XXXX to XX/XX/XXXX I paid {$11.00} XXXX. They still show a balance of {$210.00} XXXX and reporting me delinquent. I co-signed for another title loan with my son and he should only have a balance of less than {$200.00} at the most left on this loan He only got a {$800.00} loan and we were paying it off at the same time .. they are showing a balance due of XXXX XXXXXXXXIt 's impossible to check your payment history unless you have saved the logs of your receipts because their website doesn't allow you to see the history It shows the loan and that's it.i sent them a police report because my car was sold without my consent, without my knowledge with a title lien attached to vehicle to a tow truck company here in XXXX sometime in XX/XX/XXXX. I'm still trying to locate where it is when I asked them for help they said their job is just to collect the money however they sent my information ( police report And letter ) to the corporate office. my consumer report And my paperwork don't really match up together I was concerned or just brought a red flag to my attention that I wanted to express that concern with you all. So the storefront property or where I went in person is called XXXX XXXX XXXX XXXX they're on XXXX XXXX in XXXX XXXXXXXX The lien on the title is with XXXX XXXX XXXX. When you're on the website for XXXX XXXX to make a payment or whatever there's a website link to pay off the loan and that brings you to XXXX The receipts of payment that I have made on my bank statements show as XXXX XXXX XXXX. The consumer report says the company is XXXX. Five entities of one place and nothing matches up or there's no way to really reach somebody to talk about this balance due because XXXX XXXX XXXX says this sent it to corporate when I asked to corporate was or a phone number to contact them I was told there is not one and that if they want to help me or if they need to reach out to me they will contact me through my email. So it's been like 3 weeks a month and I still haven't received any information or been contacted. They say I'm still liable for the loan which I mean I did sign the paper but I paid them the amount I borrowed so I don't not understanding where this additional amount came from and the same thing with the other car loan It was only one payment away from being paid. There's no way I can afford those pay off amounts. One payments was never credited to the XXXX XXXX. All payments were made at same time.. correct phone number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was scammed for XXXX. The money was sent to Wells fargo and I reported it to my bank and the ftc and fbi. XXXX XXXX said that the investigation that wells fargo does not normally takes 90 days. This is excessive. I have been reading about this crime ring and they have been on business for at least a year. Well fargo is allowing this crime ring to create fake business accounts and steal money. They are covering up this by taking in my opinion way to long to investigate.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spoke with a XXXX representative multiple times and submitted supporting documents. I requested to speak to the agent directly responsible for reporting my credit to the Bureaus and they did not connect me to that agent. Please resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
I am formally disputing the accuracy and validity of the collection account being reported by RS Clark ASC ( Original Creditor : 01 XXXX XXXX XXXXXXXX ). I do not recognize this account and do not recall entering into any agreement with this company. Additionally, this account is reporting materially inconsistent information across the credit bureaus, including conflicting Date Opened, Date Last Active, and account remark information. Examples of inconsistencies include : * Different Date Opened values between bureaus * Different Date Last Active dates between bureaus * Different account comments and dispute remarks across bureaus Despite prior disputes, this account continues to be verified and reported. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to maintain maximum possible accuracy and conduct a reasonable investigation of disputed information. Because I do not recognize this account, I am requesting that the furnisher and credit reporting agencies provide competent documentation proving : * I am legally responsible for this debt * The account was properly assigned or sold * The balance being reported is accurate * The reported dates and account information are accurate and complete Please provide copies of any signed agreement, account records, payment history, or other documentation used to verify this account. If the account can not be fully verified with accurate and complete documentation, I am requesting that it be deleted from my credit file immediately. I have attached supporting documentation showing inconsistent reporting across the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: MIDFIRST BANK
State: MD

Complaint narrative:
I am respectfully requesting that my mortgage company XXXX mortgage reconsider my loan modification application. In XX/XX/XXXX, I applied for a loan modification and was approved for a three-month trial modification. My first trial payment was due in XX/XX/XXXX, and I made that payment on time. On XX/XX/XXXX, I was XXXX XXXX XXXXXXXX due to the federal government shutdown. During this period, I did not receive a paycheck, which caused me to miss my next trial modification payment. This was a temporary hardship that was completely outside of my control. I returned to work in XX/XX/XXXX and have since resumed receiving my regular salary as well as back pay. My income is now stable, and I am fully able to make my monthly mortgage payments going forward. After the missed trial payment, my loan was returned to its original status, and the past-due balance increased to approximately {$28000.00}. I reapplied for a loan modification, but my request was denied on the grounds that I had exhausted my trial modification opportunities and that I was unable to afford the mortgage. I respectfully disagree with this determination. The missed payment occurred solely because of the federal government shutdown, not because of a long-term inability to pay. My financial situation has stabilized, and I am committed to keeping my home. I currently have {$10000.00} available that I am willing to contribute toward the delinquent balance as part of a workout solution. I am asking that you take into consideration the extraordinary circumstances surrounding the federal government shutdown and reconsider my request for a loan modification or any other loss mitigation option that will allow me to remain in my home. Thank you for your time and consideration. I appreciate the opportunity for a fair review of my situation and look forward to working with you toward a resolution. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this formal statement to dispute the continued presence of negative accounts and collections currently appearing on my credit file. Please be advised that these accounts have already been fully settled and resolved. As such, their continued reporting as active negative items is inaccurate, misleading, and damaging to my financial standing. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am demanding that you immediately remove these negative accounts and collections from my credit report. Because these matters have been settled, I also formally request that you block these specific items from being reported or appearing on my credit file ever again. The reporting of settled items as derogatory is a failure to maintain maximum possible accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The property was advertised and rented as a fully functional, habitable accommodation. During my stay, the heating system failed completely while outdoor temperatures dropped to XXXX conditions that are objectively life-threatening, particularly for young children. I immediately notified the host of this emergency, and the communication is documented in chat screenshots attached to this appeal. While the host did dispatch an HVAC technician, upon arrival the technician informed me that his company does not service that specific type of heating unit. The technician then called the host directly in my presence to communicate that he was unable to perform the repair. Despite being informed of this, the host took no further action : no alternative heating was provided, no comparable accommodations were arranged, and no refund was offered. As a result, my family including young children was forced to vacate the property before the end of the rental period due to the unsafe conditions. I personally remained at the property as long as possible attempting to await a resolution, as I had business obligations nearby, but no assistance ever came.

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 2026-05-13 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: TX

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 non-monetary relief
Consumer complaint received 2026-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
My name is XXXX XXXX and I have been receiving phone calls about a loan with Affirm.com I DO NOT HAVE ANY LOANS with affirm someone must be using my information, I tried calling and talking to several people that this is not my debt someone is using my information but these people do not speak XXXX XXXX and they don't understand, I have asked for a manager and they tell me no manager is available and no manager ever calls me back, I want this debt removed from my name and credit as I never took any loans out with them, they need to verify people better when taking things out. I want this immediately fixed and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
I am filing a formal complaint against BarclaysXXXX XXXX XXXX XXXX for XXXX my billing dispute ( Case ID : XXXX ) regarding a {$270.00} charge from merchant XXXX XXXX XXXX XXXX ( XXXX ... p. XXXX ). Barclays closed the case because I did not respond to a XXXX merchant rebuttal notice. However, due to an incorrect billing address on file, I never received this physical letter. I possess conclusive proof of a fully completed return that customer service refuses to manually review or accept. I requested a return on XX/XX/year>, and the merchant provided the return address on XX/XX/year> ( XXXX ... p. XXXX ). I shipped the merchandise back on XX/XX/year>, within the merchant 's XXXX return window ( XXXX ... pp. XXXX ). According to XXXX Tracking # XXXX, the package was successfully delivered directly to the XXXX XXXX XXXX Department in XXXX, FL, on XX/XX/year> ( XXXX ... pp. XXXX, XXXX ). The merchant has been in possession of the returned merchandise since XX/XX/XXXX, but has ignored multiple follow-up emails regarding my refund ( XXXX ... pp. XXXX ). Barclays ' refusal to reopen this dispute and accept my tracking logs violates my consumer rights under the Fair Credit Billing Act ( FCBA ). I request that Barclays escalate this file to an executive team, review my evidence, and manually credit my account.

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 2026-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear Consumer, Financial Protection Bureau. I hope this correspondence finds you well. I am writing to formally lodge a complaint against Navy Federal Credit Union concerning the abrupt obstruction of lawful credit transfers. MY ACCOUNT PARTICULARS ARE AS FOLLOWS : Account Holder : XXXX XXXX XXXX XXXX. Account Number : XXXX On XX/XX/year>, My Personal Account with Navy Federal Credit Union was unilaterally dishonored account holders request to have credits released from one of my accounts to another without any prior notice or expiation. Despite multiple attempts to obtain clarification from the credit union. I have not received a satisfactory response. This has caused significant distress and uncertainty regarding my financial standing and stability at NFCU. Additionally, I attempted to transfer credits from one of my accounts to another account at NFCU, However, I faced active obstruction from NFCU, which seems to be preventing clients from conducting any transactions OTHER THAN THOSE THAT BENEFIT NFCU, such as extending credits to them or dealing with their approved banks. I believe my account was PERSONAL, but now Im unsure about its nature at NFCU. This confusion has raised serious concerns about the management and security of my funds. Furthermore, I am increasingly concerned that NFCU may be unable to meet its obligations to depositors or creditors. The value of a bank account is not Soley reflected but the current balance ; it can also include other factors such as accrued interest, pending transactions, and any investments linked to the account or profit-generating schemes such as fractional reserved banking. This adds to my apprehension regarding the security and management of my funds or credits. Previously, NFCU used my service agreement to restrict certain actions or limit my ability to transact on my personal account. However, since I signed this agreement on my own without any negotiation, it is neither appropriate nor legally Valid for NFCU to enforce it. This behavior is misleading and deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I tried making a payment to Rocket mortgage. The online account took me to a page I was not familiar with. I tried a few more times logging in, but was directed to a site asking for info on a new mortgage loan. I clicked the entry stating that I already had a loan. The site then made me call a number to reach rocket. I dialed the number only to reach an Ai prompting me for personal information. I did not give this information to this unfamiliar source, the prompt then sent me to account collections. I was not late or behind on my payments. Finally got a person on the phone that was not interested in solving my issue of being locked out, just wanted to collect a debt....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
I am filing a formal complaint against Barclays for prematurely closing my billing dispute ( Case ID : XXXX ) regarding a {$940.00} charge from merchant XXXX XXXX ( p. XXXX ). Barclays closed the case because I failed to respond to a XXXX merchant rebuttal notice. However, due to an incorrect billing address on file, I never received this physical letter. I possess conclusive proof of a fully completed return that customer service refuses to accept or manually review. The merchant provided a void return label ( XXXX XXXX # XXXX ) ( p. XXXX ). I attempted a return on XX/XX/year>, which was returned to me due to an address error by the merchant ( pp. XXXX, XXXX ). After sending unacknowledged emails to verify the address, I shipped the package again on XX/XX/year>, via XXXX Tracking # XXXX ( pp. XXXX, XXXX ). This return package was successfully delivered directly to the merchant 's location in XXXX, VT, on XX/XX/year> ( pp. XXXX, XXXX ). The merchant has been in possession of the returned merchandise since XX/XX/year>, but has ignored multiple refund inquiries ( p. XXXX ). Because I successfully returned the items, Barclays ' refusal to reopen this dispute and evaluate my tracking evidence violates my consumer rights under the Fair Credit Billing Act ( FCBA ). I request that Barclays escalate this file to an executive analyst to manually process my credit.

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 2026-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DynaGen Lending, LLC
State: FL

Complaint narrative:
Dynagen Lending , LLC ( XXXX XXXX ) called me today, despite being on the do not call list, to solicit me for an IRRRL. They did not know I am also in the mortgage business and during the process of this call they stated XXXX times that the Department of Veteran Affairs sent them information about my loan terms and that the Department of Veteran Affairs was wanting them to call me in order to provide me with better terms. So on XXXX separate occasions in the XXXX phone call they were claiming an affiliated relationship with the VA. After I told the loan officer I was in the business and that he had fraudulently claimed an affiliated relationship with the Department of Veteran Affairs, he tried to back track the claim. I let him know I would be reporting this to the CFPB. The company did {>= $1,000,000} in VA loans last year with almost all of them being refinances. It is obvious they are claiming an affiliation with the VA on a routine basis based on this phone call.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2026, I was charged {$480.00} for a XXXX order for two pairs of shoes. I never received the merchandise. After the package did not arrive, I disputed the charge with Citi. Citi issued a conditional credit while it investigated. XXXX then told Citi the order had been delivered. The documentation provided by XXXX was not sufficient to prove that I actually received the shoes. It appeared to show only that a XXXX package was marked delivered in XXXX, XXXX and left at a front door on XX/XX/2026. It did not show the full delivery address, a signature, a delivery photo, GPS confirmation, or proof that I personally received the merchandise. It also did not clearly establish that both pairs of shoes were included in that shipment. Citi ultimately reversed the conditional credit and denied the dispute. I then asked Citi to reopen or reconsider the dispute and explained that I never received the merchandise and that the merchants documents did not prove actual delivery to me. On XX/XX/2026, Citi responded that it no longer had any recourse to obtain credit for me because the timeframe to resolve the dispute had passed, and that its investigation remained closed. My complaint is that Citi closed the dispute without adequate proof that I received the goods, then refused to reconsider it based on timing even though I continued to contest that the merchandise was never delivered to me. I am asking Citi to reopen and fairly review the dispute, explain exactly what evidence it relied on, and correct any billing or credit reporting consequences related to this transaction.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
Bull City Financial Solutions Amount : {$550.00} Is on all 3 credit reporting agencies XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation