vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital Systems XXXX XXXXXXXX is furnishing inaccurate information on my consumer reports and they know it!!!! I placed a dispute on XXXX XXXX and XXXX disputing a jefferson Capital debt with a balance of {$1300.00} originated by XXXX XXXX. To be honest this debt was already paid years ago and any reporting of it is factually inaccurate however it was deleted off of Transunion but it was verified on equifax this didnt make any sense, moreover it's another debt collector by the name of XXXX XXXX XXXX reporting the same debt under the account number # XXXX this is not accurate and I went it deleted from my report immediately. Jefferson Capital has furnished another debt XXXX XXXXXXXX right after my last dispute and you guess it the debt comes from XXXX XXXX a company I never had a problem with financial how does this keep happening Jefferson Capital and XXXX resource group already got me denied for housing twice, they are violating 1681s2b et seq and 1692e, d and f. I am filing for arbitration against them immediately i want this debt deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: KY

Complaint narrative:
This is a gas station purchase for {$62.00}. I kid you not at first they had it listed in XXXX. Theyre gon na deny that but I know what I saw. I even went there in person to check things out from myself. Next time I looked at my app it said the purchase wasnt right email. However, I purchased gas at that gas station in XXXX using my citi XXXX XXXX card on XX/XX/XXXX at XXXX. I wouldnt have needed a gas again on XX/XX/XXXX and I didnt buy cigarette carton of cigarettes either because I bought those on XX/XX/XXXX and was finding them everywhere else in the meanwhile. Theres nothing that I couldve bought with this credit card that theyve got this charge on that would be valid. I dont even carry my city thank you. XXXX XXXX around or use it. In the past two years, Ive never used it in public. I only used it for a balance transferring a phone purchase and some phone service. Everything was online. Never once except for this purchase they have for XX/XX/XXXX. Has that card been used at a physical location. I disputed it once and it was off my credit card for a while and then they put it back on and sent me some paper saying I bought journal merchandise. No way. Im not grocery shopping at the gas station. And it doesnt look like one of their receipts. I have plenty of XXXX receipts and thats not what they look like. Then I called and he said it was for gas. I said well it doesnt even cost that much to fill my vehicle up with gas. Plus, I had just got gas and I dont even use that card in public or carried around with me. He said he would take care of it and take it. Get it 5 to 7 days. I look later its still there. I call again once again they tell me they were going to dispute it. They have never done so. Its a fraudulent charge. It needs to be taken off. Im not supposed to be liable for fraud. I am attaching my XXXX XXXX statement so you can tell that I made a XXXX fuel purchase this time a legitimate one on XX/XX/XXXX. I did not make a {$62.00} purchase on XX/XX/XXXX. I dont hardly drive anywhere unless Ive medical appointments. Or something for my kids. This is ridiculous.

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 2026-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
Prior to this issue my loan servicer was XXXX XXXX I always make sure there is sufficient funds in my account during the year so there will be no issues and each year those funds are returned to me except the minimum amount required. My escrow analysis always take place in XXXX. This year Rocket Mortgage done the analysis for the first time, due to my homeowner 's insurance and property tax increase last year they requested {$130.00} shortage, or they could spread it out over the next 12 months. I chose to pay as always to keep my note as low as possible because the increased monthly deposit was going from {$250.00} to {$270.00} already. Fast forward my escrow balance as of XX/XX/year> is {$2100.00}, and I'm paid through XX/XX/year>. So, I've several times and asked for my overage to be returned, each time customer service tells me they don't have a direct number to the escrow department to transfer me to, and they will email the request to them. To this date nothing but run around, long hold times. if you add in 8 more months of escrow @ {$270.00} a month that comes to {$4300.00} by my next analysis. My projected expenses for 2026 disbursement are {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered several collection accounts that I did not open or authorize. These accounts appear to be the result of identity theft. The accounts currently being reported include XXXX collection accounts from XXXX XXXX XXXX with balances of approximately {$1100.00} and {$470.00}, and XXXX collection accounts from IC System Inc. with balances of approximately {$87.00} and {$120.00} related to XXXX XXXX XXXX As soon as I became aware of these accounts, I filed an identity theft report with the Federal Trade Commission through IdentityTheft.gov and began disputing the accounts with the credit reporting agencies. Despite reporting the fraud, these accounts continue to appear on my credit report and are negatively affecting my credit. I am requesting that these companies investigate the fraudulent accounts and remove them from my credit file in accordance with the Fair Credit Reporting Act. I have attached my FTC identity theft report and supporting documentation.

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 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting an alleged debt of {$1000.00} on my XXXX and XXXX credit reports ( PRA Account : XXXX, Original Creditor : XXXX XXXX XXXX XXXX, account ending XXXX ). I previously requested debt validation from PRA. On XX/XX/XXXX, PRA sent a validation response that I have determined is legally insufficient for the following specific, documented reasons : 1. INCOMPLETE CHAIN OF TITLE : PRA provided a Bill of Sale from XXXX XXXX XXXX XXXX to PRA ( XX/XX/XXXX ) but no document showing how XXXX XXXX XXXX XXXX acquired this debt from XXXX XXXX XXXX XXXX. Without this missing link, PRA can not prove legal ownership of the right to collect or report this debt. 2. ACCOUNT NOT IDENTIFIED IN ASSIGNMENT : The Exhibit A to PRA 's Bill of Sale the document that should list which specific accounts were transferred contains no account numbers or consumer names. It only references an external electronic file. There is no account-specific identification in the legal transfer document. XXXX. UNVERIFIED BALANCE : The only XXXX XXXX XXXX statement PRA provided ( XX/XX/XXXX ) shows a balance of {$570.00}. PRA is claiming and reporting {$1000.00} a difference of {$450.00}. No monthly statements were provided for the period from XX/XX/XXXX through the XX/XX/XXXX charge-off. The claimed balance can not be verified. 4. NO ORIGINAL CREDIT AGREEMENT : PRA did not provide the original signed credit agreement between myself and XXXX XXXX XXXX, which is required to verify that the interest rates and fees included in the claimed balance were contractually authorized. I have today sent PRA a formal letter via Certified Mail detailing these deficiencies and demanding either the missing documentation or immediate deletion of the tradeline. I have also disputed directly with XXXX and XXXX. I am filing this CFPB complaint to create a formal regulatory record and to request that the CFPB require PRA to respond to the specific documentation deficiencies identified above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: KS

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding XXXX XXXX XXXX and a recent change in their payment policies. I was notified that, effective XX/XX/2026, I will no longer be able to make payments using my debit or credit card. Instead, I am required to provide my bank account information for automatic withdrawals. I have several concerns regarding this policy change : XXXX Privacy and Security Risks : I consider this requirement an invasion of my privacy. Providing my bank information puts me at risk of unauthorized withdrawals, especially in situations where the lease is still active but unforeseen circumstances arise. I am concerned that all the remaining money owed on the car could be withdrawn without my consent, particularly given the uncertain financial conditions anticipated in the near future. XXXX Past Experiences with Vehicle Titles : My concerns are compounded by a prior experience with the same dealership, which sold me a car that was supposed to have a rebuilt title but was represented as having a new title. This raises doubts about the transparency and oversight regarding the vehicles being financed and sold. XXXX Lack of Clarity About Vehicle Sources : I am unsure who is responsible for the sale of these vehicles and whether proper checks and balances are in place. This adds to my apprehension about providing sensitive financial information under the new payment policy. Given these issues, I request that the CFPB review XXXX XXXX XXXX policy change and assess whether it complies with consumer protection laws and financial privacy regulations. I am particularly concerned about the potential for abuse, lack of transparency, and undue financial risk imposed on consumers like myself. I appreciate your prompt attention to this matter. Please let me know if additional documentation or information is required to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I called Wells fargo to negotiate a new cd on XXXX XX/XX/year>. They told me I had to call back after XXXX XXXX, as my cd matured XXXX XXXX. I called back in XXXX and they told me I should have called before XXXX XXXX as my cd matured and thus auto enrolled into a new cd at a .5 % interest rate. They acknowledged and apologized for providing me incorrect information, but refuse to waive the penalty fee for terminating the cd early.

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 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX CRA that a negative account was reported on my credit report. Eastern Account System had reported an an account with original creditor XXXX XXXX XXXX as in collections. I have never opened any account with XXXX XXXX. I started a dispute by phone with Eastern Account System and XX/XX/XXXX and I reported it as identity theft to identitytheft.gov. I also mailed a letter on XX/XX/XXXX to Eastern Account System with the identity theft report and proof of identity. I have not gotten any response from Eastern Account System. I have also called XXXX XXXX but they were unable to assist because I do not have an account number associated. They were supposed to have a member of their security team call me back on XX/XX/XXXX but I never received a call. I also started a dispute with all three CRA but they were denied because I do not have proof the account is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
I am requesting an immediate investigation into CrossCountry Mortgage ( Loan # XXXX ) for violating the Homeowners Protection Act of XXXX ( 12 U.S.C. 4902 ). My loan reached the automatic termination date for PMI ( 78 % of original property value based on the amortization schedule ) in XX/XX/XXXX. I have remained current on all payments. Under federal law, the servicer is required to cancel PMI automatically on that date with no request needed from me. They failed to do so and continued charging PMI premiums from XX/XX/XXXX through the present. I sent a formal dispute and refund demand on XX/XX/XXXX ( attached ), plus multiple follow-up emails. CrossCountry Mortgage has completely ignored every communication. I am demanding : Full refund of all unearned PMI premiums collected since XX/XX/XXXX ( plus any interest ) Written confirmation of the exact termination date and refund amount within 45 days as required by XXXX This is a clear violation of federal law and XXXX XXXX XXXXXXXX Guidelines. Please require the servicer to correct the account and issue the refund immediately. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
XXXXDPT ED XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am writing this letter to formally dispute certain inaccuracies on my cred report related to the above -reference account. XXXX XXXX XXXX is deceptive practice with misleading career outcomes. This is a non-credited school and the value of diplomas issued by institutions. This School is Misrepresentation of Graduate outcome, Violations of Consumer Protection laws, Campus closures / student disruptions, Credit Transfer challenges, Diploma Validity, Financial Strain and Disrupted Academic Progress. This educational institution is question is not accredited and jobs will not accept this degree. In accordance with fair Credit Reporting Act. I request that you investigate these discrepancies and have remove from my credit report XXXXThank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
I was charge for several repairs that I did not need or that were not repaired coerrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding a material change to the rent payment functionality of the * * Bilt Rewards credit card that resulted in a {$6500.00} automatic withdrawal from my linked bank account. Previously, the Bilt card allowed rent payments to be charged to the credit line while covering credit card processing fees that most rent portals charge ( typically around 3 % ). This structure made the product unique and transparent : rent was treated as a normal credit card purchase, and the cardholder could pay the balance through the normal credit card billing cycle. With the introduction of Bilt 2.0, the company changed this structure so that rent payments are now automatically drafted from a linked bank account within approximately one business day, even when the payment is initiated using the Bilt credit card. This effectively eliminates the core credit functionality of the product while still marketing the feature as a credit card benefit. Consumers are left with two unfavorable outcomes : Allow Bilt to automatically withdraw the full rent amount from a bank account almost immediately, bypassing the credit line; or Attempt to pay rent directly with the credit card through a landlord portal and incur typical credit card processing fees of around 3 %. For large rent payments such as my {$6500.00} transaction, these processing fees can amount to hundreds of dollars annually. This represents a significant change to the economic value of the product. The change was not clearly communicated in a way that reflects the real financial behavior of the system. Instead, it was described within program documentation and policy updates that many consumers would reasonably interpret differently than how the system actually operates. As a result, a {$6500.00} rent payment I initiated through Bilt resulted in an automatic bank withdrawal rather than being treated as a normal credit card charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
On XX/XX/XXXX, I received a letter sent by the IRS stated that CITIZENS BANK forward them a XXXX 1099-C Form involved me. The " IRS Notice : XXXX '' letter claims a tax deficiency because I did not file XXXX Personal Tax Returns included CITIZENS BANK XXXX 1099-C Form ( Cancellation of Debt ). However, I have never had any business with CITIZENS BANK. No loan, No credit/debit cards opened, No savings/Checking accounts and no mortgage account whatsoever with the bank. But, the CITIZENS BANK fabricated a XXXX 1099-C Form involved me causing the IRS judgement of owing back tax in the amount of {$6400.00} I contacted the CITIZENS BANK XXXXXXXX XXXX XXXX XXXXXXXX XXXX speaking to customer service reps to request a copy of a XXXX 1099-C Form they sent to the IRS to further investigate a possible ID Theft issue and working closely with IRS XXXX division and Department of the Treasury XXXX The CITIZENS BANK NEVER sent me XXXX 1099-C Form at XXXX initially, nor want to send me a second copy for me examine what went wrong so I can identify the issue and work with IRS to resolve a ridiculous tax deficiency case. The CITIZENS BANK neglect their job to do due-diligent on financial organization. Nor perform poorly on their banking customer service. FCC should get involve to look into their business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
major credit bureaus adopted a policy change stating that paid medical collections will no longer appear on consumer credit reports. pay for deletion since settlement offer declined

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I made a purchase with PayPal. I never received my package. I provided documents, texts, pictures and they refuse to take off the charge after providing multiple times proof I never received the package.They deny my case and say tracking was correct when I had a letter from XXXX they delivered to the wrong address.The total amount was XXXX. I dont have money like that lying around on a product I did not receive. My bank refunded me my account in support. PayPal refuses to remove the amount after multiple times sharing information and providing documents. Someone from PayPal was supposed to call me on XX/XX/year> and never did. I made this purchase on XX/XX/XXXX. Ive been dealing with this for 3 months because they refuse to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did give this company permission to securetize this debt.

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 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Submitted dispute to bank after return was processed through bank ( State Employees Credit Union ). Fraud department provided no resolve and stated it was my duty to find resolution. Contacted CEO twice by email to attempt resolve. Fraudulent transaction on my account in the amount of XXXX. There was {$500.00} transferred to someone on the date of XX/XX/XXXX from a service provided XX/XX/XXXX. I submitted a dispute and it was forwarded to the fraud department where it later sat for a few weeks. I was told I needed to use my own finances and find legal service due to my claim not falling in a category issued. Although the initial representative explained I had a sufficient claim and it needed to go to fraud and investigations because it was clearly fraud. I provided all information requested, and explained I had evidence needed. Never was I asked for any additional documentation.

Company response to consumer: Closed with explanation