vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( 15 U.S.C. 1681i ). I have submitted a formal FTC Identity Theft Report ( # XXXX ) specifically identifying account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as fraudulent. Under FCRA 605B, the agency is mandated to block fraudulent information within XXXX business days of receiving an identity theft report. Instead, TransUnion issued investigation results ( File # XXXX ) claiming the account was 'verified as accurate '. However, the investigation results themselves are factually inaccurate and contradictory, as the account is labeled simultaneously as 'SETTLED-LESS THAN FULL BLNC ' and 'PAID IN FULL/WAS A CHARGE OFF '. TransUnion has failed to provide maximum possible accuracy and has ignored the legal mandate for an immediate block under 605B. I demand the permanent deletion of this inaccurate and fraudulent account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings
State: IL

Complaint narrative:
had an attorney for over XXXX XXXX requesting account ownership proof, and i called and requested information, and started getting threatened by an agent. who was verbally assaulting me and raising his voice.and almost screaming at me!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CO

Complaint narrative:
To whom this may concern Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I am formally requesting full validation of the alleged debt associated with Acct XXXX XXXXXXXX of IQ Data XXXX. I dispute this debt in its entirety and demand that the debt collector provide competent evidence bearing my signature, a complete payment history, and proof of their legal authority to collect on this account as well as my legal authorization to repay said debt. Until such validation is provided as required by federal law, you must cease all collection activity, including reporting to any credit reporting agencies. Any continued collection efforts without proper validation will constitute a violation of the Fair Debt Collection Practices Act and may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
* * CFPB Complaint Chase XXXXXXXX XXXX XXXX Credit Card ( Application During XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMorgan Chase Bank , N.A . * * Product : * * Credit Card * * Issue : * * Advertising/Marketing Misleading promotion and inability to use approved card as advertised * * Complaint Description : * * I am submitting this complaint regarding a promotional credit card offer presented during a XXXX XXXX booking. * * Date of incident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transaction amount : * XXXX {$460.00} XXXX XXXX Promotional value advertised : XXXX XXXX Approximately {$350.00} in discount value ( or equivalent points/statement credit ) While completing a hotel reservation on XXXX website on XX/XX/year>, I was shown a promotional offer to apply for the Chase XXXX XXXX XXXX credit card. The promotion indicated that by applying for and using the card, I would receive approximately {$350.00} in savings ( either as a discount, points, or equivalent statement credit ) toward my booking. Based on this representation, I applied for the credit card during checkout and was approved. However : 1. I was * * not provided with the card number or immediate digital access * * after approval. XXXX. Because of this, I was * * unable to use the card to pay for the {$460.00} reservation and receive the advertised promotional benefit * *. 3. After approval, I was also * * unable to update the payment method * * for the existing reservation to apply the new card. 4. Despite not receiving the advertised benefit that influenced my decision, a * * hard inquiry was placed on my credit report * *, negatively impacting my credit score. The promotion did not clearly disclose that : * Immediate card access might not be available after approval, or * The promotional savings could not be applied if the card number was not provided instantly at checkout. I applied specifically to receive the promotional value tied to this booking. As a result, I opened a new credit account and incurred a credit inquiry without receiving the primary advertised benefit. * * Requested Resolution : * * I am requesting that Chase : * Provide a * * statement credit, points, or other compensation equivalent to the advertised promotional value ( approximately {$350.00} ) * * ; and * Review and improve disclosure practices so consumers are clearly informed if immediate card use is not guaranteed during hotel checkout promotions. I also request written confirmation that this matter has been reviewed and addressed. I am prepared to provide supporting documentation, including booking confirmation and any available promotional details. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
on XXXX XXXX XXXX I submitted an escrow cancelation request on XXXX XXXX I received a denial letter in the mail due to XXXX being less than 80 %. On XXXX XXXX I submitted a large principal payment to reduce my XXXX to less than 80 % and resubmitted the request. on XX/XX/XXXX. I contacted Roundpoint by phone on XX/XX/XXXX and was on hold for over XXXX minutes, and used the automated system to request a call back. No such call has ever been received. On XX/XX/XXXX I attempted to contact them through their hearing impaired chat multiple times but was met with a banner that said " no one is available now ''. On XX/XX/XXXX I sent several follow up emails with no response. On XX/XX/XXXX I sent another follow up email to every email address at roundpoint I could find requesting an update by the end of the day, it is now the end of the day and I have not gotten a response from them. We are going on over XXXX weeks with no response and no way to get ahold of the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I accidentally deposited a check into XXXX different accounts. It cleared and was deposited into the other bank and reversed on my Bank of America account, but they decided the one mistake was deposit fraud and closed my account. They never credited my account for the check that was reversed, and I had {$5500.00} worth of deposits go into the account after they closed it, which they have been refusing to give me for XXXX months. The account was closed on XX/XX/XXXX. It is now XX/XX/XXXX and they are still telling me that they arent sending my money until they finish investigating the check that was reversed after never being credited to the 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 monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase reduced my credit limit without a clear explanation, despite my strong history of no missed payments and maintaining under 30 % utilization. This sudden reduction caused my utilization to spike and my credit score to drop drastically. I requested a reconsideration, but Chase denied it without providing meaningful justification. Their action has caused significant and unfair harm to my credit profile. They told me the complaint was filed, but didnt provide any reference number. I was also informed that no updates would be given to me about its status. Requested resolution : A clear explanation for the decrease, a full reevaluation based on my responsible account history, restoration of my previous credit limit if appropriate, and mitigation of the negative credit impact caused by this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am disputing a collection account recently reported by Kimball Tirey & St. John related to a former tenancy with XXXX XXXX XXXX in XXXXXXXX CA. This alleged debt appeared on my credit report approximately XXXX XXXX after I vacated the unit. I never received any mailed notice of this balance, nor did I receive a validation notice from the collection agency prior to it being reported. Key facts : I vacated the property on or around XX/XX/year> after receiving an eviction notice. The landlord confirmed in writing that the unit was re-rented shortly after. I made payments under a negotiated payment arrangement through XX/XX/year>. I attempted to communicate regarding a XX/XX/year> payment due to a payroll delay ; the landlord refused the payment and did not attempt to negotiate further. I never received a final itemized statement or security deposit accounting within 21 days of vacating, as required under California Civil Code 1950.5. I never received written notice that this account was being assigned or sold to a collection agency. I updated my forwarding address and still received no mailed notice. The amount reported has changed over time and appears inconsistent. I am requesting : 1. Full debt validation including lease, ledger, proof of calculation. 2. Proof of assignment from XXXXXXXX XXXX XXXX XXXXXXXX. 3. Proof of mailed notice and validation notice. 4. Investigation into improper reporting of an unvalidated debt. If proper validation can not be provided, I am requesting immediate deletion from all credit reporting agencies. I believe this may constitute inaccurate credit reporting and failure to provide proper validation under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I settled with the original creditor. ( capital one ) in XXXXXXXX XXXX XXXX I was told the account was resolved. XXXX XXXX XXXX is now reporting a balance. I have called capital one to request my final settlement documents and request final balance ( I was told it was {$0.00} when I originally settled account ). I have reported a dispute with XXXX XXXX XXXX I disagree with the account balance at XXXX XXXX and would like to request documentation supporting the remaining amount and ongoing interest as well as deletion if they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
This account is inaccurate, unverifiable, and not in compliance with required reporting standards under the Fair Credit Reporting Act and industry reporting standards established by the Consumer Data Industry Association Metro 2 format. 1. Metro 2 Non-Compliance Metro 2 requires furnishers to report complete and accurate information across all credit bureaus. However : This alleged account appears on XXXX, But is not reported or was removed from XXXX XXXX and XXXX XXXX. Because of this inconsistency, it is impossible for Fair Collections & Outsourcing or XXXX to claim this account is accurate or Metro-2 compliant. If the account were accurate and properly coded, it would reflect consistently across all bureaus. Therefore, the reporting is unreliable and violates the Fair Credit Reporting Act requirement to report information with maximum possible accuracy under 15 U.S.C. 1681e ( b ). 2. Failure to Provide Verification or Proof of Authority Despite multiple disputes ( over 17 documented reports ), XXXX and Fair Collections & Outsourcing have never provided : Proof of a valid contract Proof of permissible purpose Proof of authorization to furnish information Proof of accuracy of the reported balance Proof of investigation under 15 U.S.C. 1681i This violates FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I are long-time customers of the Citibank Credit Card , well over 10 years. We always pay our bills on time and in full. However, during the past 2 years, we started to get many unauthorized charges, which caused frequent exchange of our credit card ; it is highly inconvenient. We complained many times to them, and now they changed their tactics to kick out inconvenient customers who do not pay them high interest on the Debt. Last month 's bill was {$4500.00}. We had the thank you point on {$110.00}, so we placed a request for the credit card payment and added {$4400.00} to cover the full payment. However, as soon as payment was processed, we noticed an additional amount of {$110.00} to our bill. This practice is outrageous thievery from their customers.

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 2026-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Action Credit, LLC
State: TX

Complaint narrative:
Received a phone call on XX/XX/XXXX from phone number XXXX : spoke to someone that would only tell me they were part of the " mediation firm '' with regards to a debt with Action Credit for {$870.00}. They would not give me their name or company name. They stated they will be serving me with papers to take me to court and garnish my wages for this debt. They said that paperwork would only be provided when I was served with legal papers. Received a phone call on XX/XX/XXXX from phone number XXXX : they said they knew I talked to someone on XX/XX/XXXX, but they wanted to know if I would resolve the debt, again never giving me a name or company name, only stating this was for Action Credit. Same thing as day before - no paperwork until legal documents are served. I have never had a loan with Action Credit ( they said it represents multiple payday loan companies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: NM

Complaint narrative:
On Monday, XX/XX/XXXX, I deposited a legitimate government unemployment refund check into my E * TRADE account. The funds were made available immediately. On Tuesday, XX/XX/XXXX, my account was suddenly frozen without prior notice, and my debit card was declined at a restaurant. When I contacted customer service, I was questioned about whether I had written the check to myself. From XX/XX/XXXX through XX/XX/XXXX, I uploaded documentation multiple times to prove the legitimacy of the government-issued refund check. During this time, no one proactively contacted the issuing agency to verify the check. If there were concerns about the deposit, the bank could have placed a standard hold on the funds, verified the check, and then released it. Instead, the funds were made available, then my entire account was frozen without warning, disrupting access to my own money. Only after I referenced filing complaints with the CFPB and FINRA did a representative contact the unemployment office directly to verify the check. Shortly thereafter, the account restriction was lifted. While I understand fraud prevention obligations, releasing funds, then retroactively freezing a consumers account without notice and requiring them to do all verification legwork is unreasonable and caused unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My 2nd mortgage got transferred to Shellpoint Mortgage Servicing on XX/XX/year>. I was on forbearance with the previous lender ( XXXX XXXX ) until XX/XX/year>. Shellpoint didn't want to give me any other option but to catch up 9 payments ( {$5100.00} ) in a lump sum, or 5 payments in a lump sum ( {$2800.00} ) to defer the remaining amount. They are threatening me with potential foreclosure proceedings. I am not sure if this is standard practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I initiated a wire transfer from my USAA account to my secured checking account at XXXX XXXX XXXX for {$3000.00} USD. According to XXXX, the wire transfer was rejected and immediately sent back to USAA due to funds not being able to be wired to Secured checking accounts. The funds were not returned to my USAA account. I have been getting the run around and blame tactics between both financial institutions everyday since XX/XX/XXXX. I was told by USAA my money might just be lost or irretrievable and that's just a risk you take when you wire money to external accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit 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: Klarna AB
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$3400.00} by Klarna ( order XXXX ) for a XXXX XXXX through XXXX. The order was canceled by the merchant and Klarna confirmed in writing that a refund would be issued. No refund was ever received for this original charge. I contacted Klarna repeatedly over several months and received inconsistent responses claiming the refund was processed or still processing, but no credit ever posted. I filed a CFPB complaint against Klarna ( ID : XXXX ). In their response, Klarna claimed the {$3400.00} was refunded to my card on XX/XX/year> and cited XXXX XXXX as proof. This response is false and misleading. My bank statements prove that the XXXX refund Klarna cited was actually the refund of a separate unauthorized charge Klarna made on XX/XX/year> a second billing for the same canceled order. That XXXX charge and refund cancel each other out and have nothing to do with the original XX/XX/XXXX charge. The timeline from my statements is as follows : XX/XX/XXXX original charge ( + {$3400.00} ) ; XX/XX/XXXX dispute opened with provisional credit ( - {$3400.00} ) ; XX/XX/year> provisional credit reversed after dispute closed in Klarna 's favor ( + {$3400.00} reposted ) ; XX/XX/XXXX new unauthorized Klarna charge ( + {$3400.00} ) ; XX/XX/XXXX refund of that unauthorized charge ( - {$3400.00} ). The original XX/XX/XXXX charge remains on my account unrefunded. Klarna provided a demonstrably false response to a federal regulator to close my prior complaint. The goods were never received. The original charge was never refunded. I am attaching four bank statements that prove this timeline.

Company response to consumer: Closed with explanation