vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALASKA HOUSING FINANCE CORPORATION
State: AK

Complaint narrative:
I moved into Alaska housing in XXXX  XXXX. That following summer when the snow melted and the sump pump didn't work and my apartment flooded. smelt like mold bad I asked them to replace the carpet and they did not. Their solution was to put fans till it dried. My home smelt like mold for months. I Moved out in XXXX of XXXX they said i had to pay for the carpets because of damage to the fringe between the doors that was caused by the flood pulling up the carpet and my vacuum tearing it up. They tried to say they only charged me a portion but I refuse to pay for any of it due to not only the negligence of the carpet but the whole time my family lived there we were subjected to a XXXX XXXX. I made several complaints to the housing office the police and even the crime stoppers nothing was ever done. XXXX XXXX  needles and other XXXX  all over the property. not to mention from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  about 4-7 times a month we were out of hot water. when the other two apartments became occupied they then decided to fix the hot water heater. i have documents of all of this. when XXXX XXXX  called me i was explaining that I want to dispute the account the lady listened for like 5 seconds then hung up on me. they haven't validated it and are still calling me to collect the debt. not only that but i have never got the notice from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
Prior CFPB Complaint Numbers : XXXX and XXXX This complaint is a follow-up to the prior CFPB complaints referenced above. United Wholesale Mortgage ( UWM ) has not resolved documented mortgage servicing errors and has provided a response that is incomplete and inconsistent with its own records and communications. 

UWM acknowledged receipt or identification of a second {$500.00} payment and later contradicted that acknowledgment without providing a reconciliation or investigation explaining the discrepancy.

Throughout XXXX, I made good-faith payments and repeatedly contacted UWM requesting a complete and accurate payment ledger, a corrected balance, and written instructions on how to bring my loan current. During this period, UWM misapplied payments across multiple months, applied later payments backward without clear disclosure, and failed to provide a clear reinstatement amount or path to cure. At various times, UWM representatives instructed me not to submit payment while payment application issues and a servicing transfer were under review. I relied on those instructions while remaining ready and able to pay. 

Despite unresolved servicing errors and active efforts to resolve the account, UWM furnished adverse credit reporting and reported serious delinquency. Reporting severe delinquency while payments were being accepted and disputes remained unresolved is inaccurate and misleading under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Regulation V.

The payment application issues occurred during a servicing transfer, and under 12 C.F.R. 1024.33 ( c ) I should not have been penalized or escalated for transfer-related payment issues while those errors remained unresolved. 

On XX/XX/year>, UWM referred my loan to foreclosure without first resolving payment disputes, without providing a clear reinstatement amount, and without extending appropriate loss mitigation protections. UWMs own response shows that loss mitigation review did not resume until XX/XX/XXXX, XXXX foreclosure activity had already beguncontrary to RESPA Regulation X ( 12 C.F.R. 1024.41 ). UWM also restricted my access to the online servicing portal during this period, impairing my ability to monitor my account and dispute errors. 

At all times, I was willing and able to pay the amount legitimately owed. The delinquency, credit damage, and foreclosure referral resulted from UWMs servicing failures, lack of clear instruction, and payment application decisionsnot borrower refusal or inability to pay. I remain ready and able to satisfy all legitimate obligations owed and have consistently requested only an accurate accounting and correction of servicer-caused credit reporting errors.

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 is not yours
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
I am disputing an alleged Upstart account that is being associated with my credit file. I never opened an account with Upstart, was never notified of any loan, and was never served any documentation related to this debt. 

In response to my prior CFPB complaint, Upstart stated that they are unable to locate any account associated with me and requested a Loan ID. I do not have a Loan ID because I have never had an account with this company. 

Despite Upstarts inability to locate or validate an account, the negative information continues to be associated with my credit report. This constitutes improper reporting of unverified information. 

Alleged debt is {$1600.00}

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 is not yours
Company: National Healthcare Collections, LLC
State: MO

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

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 — Banking errors
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I have 6 open complaints with my bank Suncoast XXXX XXXX XXXX 
All of wich address fruad and fraudulent activities on my accounts and my personal info. I called today to address a letter I recieved stating my entire life was stolen from a 3rd party marketing vendor XX/XX/year> at XXXXXXXX XXXX and once again I was met with absolutely no regard for me or my lively hood. I was gas lite and made to believe its not that big of deal. I was advised by the lady I spoke with that my info XXXX have been stolen. Its not garunteed. I then read the letter verbatim where it states my DOB and SSN were absolutely stolen. She began to speak to me dismissive as if my concerns were over dramatized. Criminals have enough of my info to come to my house and kill me. Thats not being over dramatic thats the truth. They have my DOB and SSN and thats more than enough for some one with the tools to hack a data base to get your address. These are Criminals and potentially killers. I am well within reason to be fearful for my life and to have my claims unsubstantiated by the very bank that allowed this to happen is criminal in itself!

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 is not yours
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
They want me to pay XXXX for a minimum payment. That is impossible for anyone to do. I need a hardship program. I am willing to come to any sort of agreement with them but until then, I cant make any payment. Its useless, the interest takes it every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/XXXX, a cash withdrawal of {$68000.00} was made from my savings account at a Citibank branch in XXXX XXXX XXXX. On XX/XX/XXXX, I called the bank in response to a call from the fraud department to my sister in the United States. I checked my online banking and saw that a cash withdrawal of {$68000.00} had been made. The bank gave me the complaint report number, which is XXXX, dated XX/XX/XXXX. During the month of XX/XX/XXXX, I made several follow-up calls to the bank without response. On XX/XX/XXXX, the bank sent me a letter by email saying that the withdrawal was made with my debit card and my PIN. This response is impossible because I have the debit card with me and have not traveled to or visited the United States since XXXX, so it is false that I or anyone else made the withdrawal. It is a very large sum to be handed over with just a debit card without identity verification or authorization. I have always had the debit card in my possession and I do not live in the United States. I live in XXXX. I have not visited the United States since XXXX. The bank 's customer identification system has failed, as my ID and passport have always been with me.

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 — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX I am being contacted by Sunrise Credit Services regarding an alleged debt from XXXX XXXX for {$57.00}. 
I never received XXXX XXXX service. The phone number was never successfully transferred from XXXX, and the service was never activated. 
The alleged service attempt occurred in XXXX, yet Sunrise provided a billing statement dated XXXX, which does not correspond to any active or usable service. 
Despite my dispute, they continue attempting to collect this debt without providing proof of activation or usage. 
I am requesting that this account be investigated, validated properly, and removed, as no service was provided and the debt is not owed.

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: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received credit cards from Citi Bank in the mail with my name and my husband 's name on them. We didn't apply for them. I called to cancel the cards and was told they needed to talk to my husband. I explained that these credit cards are fraudulent and they still said they would not cancel them without speaking to my husband. He works all day and can't talk to them. The cards are not activated but they have impacted my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
This complaint is a continuation of a prior complaint regarding the settlement of my account with XXXX XXXX XXXX XXXX. I am submitting this new complaint because I can no longer update the original entry. 

Today, I made multiple good-faith attempts to submit payment of the agreed settlement. I contacted XXXX XXXX XXXX XXXX at approximately XXXX XXXX  and again at approximately XXXX XXXX  using the number provided in their prior response. During the second call, I was redirected to additional numbers, including XXXX and XXXX, and I left voicemails stating that I am ready and attempting to pay the settlement. 

Despite these attempts, I was informed that the account had been closed due to inactivity. During the call, the representative also stated that the account could be reopened if I wanted to pay it. This offer was verbal only and vague, without clear confirmation of the original settlement terms, and felt unusual and unsafe. Payment could not be completed because there was no guarantee that it would fully satisfy the account, leave a XXXX balance, and result in the release of the promissory note. 

I currently have the settlement funds available and remain ready to submit payment immediately under the original written terms. I have retained call logs and audio recordings reflecting these attempts and can provide them upon request. I am requesting that XXXX  reopen the account so I may pay the agreed settlement and that they provide written confirmation that the payment will fully resolve the account and release the promissory note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: NY

Complaint narrative:
I signed up for this account over a month ago it says right in the disclosure on their website that right after the direct deposit activity I should receive my promotional credit within five business days it's been well over that and they're telling me I have to wait 90 days which it does not say in the disclosure I asked for a manager and they hung up on me

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SERVICEMAC, LLC
State: OR

Complaint narrative:
This is an FHA-insured mortgage. We applied for a loan modification and were informed that trial modification documents were sent to us. We never received those documents. 

For several months afterward, we continued to receive emails stating that our loan modification was still under review and that no additional action was required from us. We were never notified of missing documents, deadlines, or denial during this time. 

Due to the servicers delay and failure to deliver the trial modification documents, our delinquency increased significantly and additional fees were added. We were later told that no options were available and that a large lump-sum payment would be required, despite the loan being FHA-insured and no foreclosure action having been initiated.

We believe the servicer failed to properly administer FHA loss mitigation, including evaluation for an FHA Partial Claim and loan modification, and failed to provide clear and accurate communication as required under federal servicing rules.

We are requesting that the servicer : Conduct a second-level FHA loss mitigation review Properly evaluate us for an FHA Partial Claim and FHA loan modification Review and reverse fees that accrued due to servicer delay Provide written documentation of all loss mitigation decisions We are requesting prompt resolution so that we may bring the loan current and avoid foreclosure.

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: Getting the loan — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
Affirm blocked my account stating they could not verify my identity. I contacted customer service and was told this was a system decision and that no appeal or manual review was possible. I provided accurate personal and financial information and have valid legal identification. I am requesting a proper manual review, a clear explanation for the denial, and instructions on how to resolve any verification issues. I believe this automated denial is unfair and improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
XX/XX/year> I received an email from Santander XXXX  stating that my vehicle was at risk of repossession due to failure to make payments. My autopay has been consistent and this is false.

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 using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding Wells Fargos handling of my debit card fraud claim. 

In early XX/XX/year>, I was robbed, during which my wallet and phone were taken. Following this incident, my Wells Fargo debit card was used without my authorization to make multiple transactions at XXXX XXXX, totaling approximately {$16000.00}. I did not authorize these transactions, did not benefit from them, and did not have possession of my debit card at the time the transactions occurred. 

I discovered the unauthorized transactions and reported them to Wells Fargo within approximately 10 days, well within the timeframe required under Regulation E.

Wells Fargo denied my claim, stating that because there was no further suspicious activity after my account was monitored, the transactions were considered authorized. This reasoning does not address the fact that the unauthorized transactions had already occurred and the funds had already been withdrawn. 

I have filed a police report regarding the robbery and unauthorized transactions and have an incident number available. Incident number is ( XXXX ) I am requesting that Wells Fargo conduct a proper Regulation E reinvestigation, provide the evidence relied upon to determine authorization, and credit my account for the unauthorized debit card transactions as required under federal law.

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: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
b'I am submitting this complaint because JPMCB has failed to provide IRS Form 1099-C or any written confirmation regarding two charged-off accounts on my credit report, despite multiple written requests and certified mail.\nAttached are copies of all correspondence sent to JPMCB, including Certified Mail tracking numbers:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI respectfully request that the CFPB investigate this matter, require JPMCB to provide the requested documentation, and ensure compliance with FCRA, IRS reporting requirements, and Metro 2 standards.\nI am attaching a letter with an explanation.\nThank you'

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: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
This complaint is being submitted to formally document and address ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by Calvary Portfolio Services. 
Despite multiple written disputes and debt validation requests, Calvary Portfolio Services has failed to provide legally required verification of the alleged debt referenced in this complaint. Nevertheless, they have continued to report this account to consumer reporting agencies. 
All supporting documentation is attached, including copies of all correspondence sent to Calvary Portfolio Services, along with XXXX XXXX Mail tracking numbers where applicable. These documents demonstrate my good-faith efforts to resolve this matter directly and Calvary Portfolio Services continued noncompliance. 
I respectfully request that the CFPB investigate this matter and require Calvary Portfolio Services to comply with all applicable federal consumer protection laws. 
I am sending a detailed letter together with the attachments. 
Thank you

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: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
someone opened a XXXX XXXX XXXX under my name using a different address, maxed it out, and then defaulted.

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