vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Paycheck deposit in amountif {$3000.00} was done mobile deposit on Monday, XX/XX/XXXX. No indication it would be held prior to confirming deposit, this has never been issue. Called was told a hold unti XX/XX/XXXX. Went to a branch showing it is a paycheck, gave them paystub, still not released. Employer wire same amount to account and still not released. Called again today asked for a supervisor that was not helpful. Told if paper check, regardless if it is paycheck, they can hold and could hold longer. She told me I can not speak to anybody else about account Explained I have bills like anybody else and no reason a portion of funds could not be released or they can contact the bank check off of. I was not not their responsibility they do not do that

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 2026-01-02 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: CITIBANK, N.A.
State: AR

Complaint narrative:
A credit card was opened fraudulently in my name. The card was used. My information is on the dark web.

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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
AN UNAUTHORIZED PERSON WAS ALLOWED TO PURCHSE A CAR AND ASLO ILLEAGLY SIGN MY NAME TO THE DOCUMENTATION PERTAINING TO THE PURCHASE OF A VEHICLE. THE LOAN IS FOR @ {$27000.00}. THE UNAUTHORIZED PERSON IS ACUTALLY A FORMER EMPLOYEE OF SAID DEALERSHIP, AND A PERSONAL FRIEND ALLOWED HIM TO DO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Consumer Complaint Statement : XXXX XXXX XXXX I. Introduction & Purpose of Complaint I am filing this formal complaint against National Credit Systems , Inc. ( NCS ) for systemic and willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This dispute involves a claimed balance of {$2300.00} originating from XXXX XXXX XXXX XXXX. NCS is attempting to collect a debt derived from a documented pattern of systemic billing fraud while simultaneously damaging my spouse 's credit through " hollow verifications. 

II. The Core Violation : Systemic Billing Fraud An investigative audit of our Resident Ledger ( Exhibit B ) has uncovered a year-long pattern of Noncompliant Assessment of Utility Fees via Extra-Contractual Methodology and Ultra Vires Billing . Our Utility and Services Addendum ( Exhibit A ) mandates that utility charges be based on actual consumption or provider invoices. However, the ledger demonstrates that the landlord used a fixed " flat-rate '' daily methodology throughout the lease term. It is mathematically impossible for a household to consume the exact same volume of water and sewage each month for a year. 

III. Failure to Validate and Hollow Verification On XX/XX/year>, I submitted a formal dispute via certified mail. NCS took 36 days to responda delay that exceeds the reasonable investigation window. Their response on XX/XX/year>, failed to provide supporting invoices from the provider or meter readings. Instead, they provided a statement using unauthorized flat-rate daily billing. Despite this, NCS marked the debt as " verified '' to the credit bureaus. This " hollow verification '' is a bad-faith practice in which a collector asserts that a debt is accurate without possessing the contractually required proof of use. 

IV. Notice of Liability and Escalation On XX/XX/year>, I sent a formal Demand for Full Waiver and Deletion to NCS, withdrawing all previous settlement offers. A formal complaint is currently being processed with the Florida Office of Financial Regulation ( FOFR ) regarding these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
In XXXX XXXX, I suddenly lost the ability to log into my XXXX XXXX online account to access or download my XXXX mortgage statement. When I called customer service for assistance, the representative informed me that the website was down due to the ongoing merger/integration with Rocket Mortgage. They stated that electronic statements were unavailable and the only option was to have the statement mailed via USPS. I explained that I needed the statement immediately for my records and timely payment planning, but the representative said there was nothing they could do and provided no timeline for when online access would be restored. 
Nearly two weeks later ( early XX/XX/XXXX ), I still can not access my account online. The login process repeatedly prompts me to change my passwordI have attempted this three timesbut the system then indicates my account is locked, preventing any access. This ongoing issue appears tied to post-merger system integration problems, as many other customers have reported similar login and account access difficulties during this period as mentioned by multiple reps in the call center. 
My mortgage payment is contractually due on the XXXX of each month, with a grace period. The XXXX payment is now past due because of these access barriers. Customer service representatives have repeatedly pushed me to make payments over the phone ( with an agent ), but I am uncomfortable providing sensitive banking information verbally, especially given the history of cybersecurity issues in the industry and the current system instability. 
XXXX XXXXRocket Mortgage has not provided any public notices, accommodations, or extensions for affected customers, despite the access problems stemming from their merger-related system changes. This has caused significant stress and prevents me from managing my mortgage responsibly online as I have done for years. 
I request that the CFPB investigate these servicing failures and require XXXX XXXXRocket Mortgage to : Immediately unlock my account and restore full online access. 
Provide secure electronic access to all past and current statements. 
Waive any late fees or negative credit reporting for the XXXX payment ( and any future payments delayed solely due to their system issues ). 
Offer fee-free, secure alternative payment options without verbal disclosure of banking details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I participated in the promo spending XXXX  amount 3 months in a row. They say I didnt spend XXXX XXXX of the months when my statement clearly shows XXXX plus. I have tried to resolve with XXXX and with Chase directly. 
You should not have to prove to your credit card company what you spent when they clearly produced the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was approved for a Citi credit card on XX/XX/year>. Citi performed a hard inquiry and issued me a charge pass, which I was able to use for about a week. 

After this, Citi placed a block on my account and has failed to issue or deliver the physical card or restore access. I have contacted Citi multiple times and have been repeatedly told to wait for letters that never arrive. 

The account was already opened and active, yet Citi has left me without access or resolution for months. I believe this conduct constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). 

I am requesting immediate restoration of access and issuance of the card, or closure of the account with removal of the hard inquiry and written confirmation that no adverse reporting has occurred.

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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, my former attorney charged my Wells Fargo debit card for {$490.00} without my consent. Although I originally provided my card for legitimate billing, this charge was being disputed, not authorized, and made without agreement. I notified the attorney that I did not authorize payment and requested a refund, but she refused discussion and simply referenced the contract, despite this not being an outstanding balance but an actively disputed amount. 

I filed a dispute with Wells Fargo as soon as the charge was processed on XX/XX/XXXX, explaining to representative on the phone, the exact situation and exactly what happened. I even emailed them a copy of the contract and a copy of the emails showing that she did not have my consent. They denied my claim on XX/XX/XXXX solely because I had previously provided my card information, but they refused to re submit it as an authorized improper billing / misuse of stored card credentials dispute. I called on XX/XX/XXXX after getting the letter and requested written policy justification, escalation, and proper review under the correct dispute category, but Wells Fargo would not provide written clarification or reopen the claim properly. The representative ultimately escalated it only after pressure and ended the call, stating my denial letter was sufficient. 

I am requesting that Wells Fargo properly investigate this dispute under the correct category ( improper merchant billing / disputed charge taken without consent ) and credit the funds back to 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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My sister transferred me {$1000.00} to my XXXX  account for a funeral. I transferred {$25.00} two times to my XXXX account. XXXX  froze/suspended my account for " unusual activity ''!. I have multiple deposits from my sister and have made multiple transfers to my XXXX  account with no issues. I don't have 5-7 business days to wait. I can't even move my {$950.00} out of XXXX. XX/XX/year> deposit of {$1000.00}. XX/XX/year> two separate transfers of {$25.00} each. {$950.00} balance they won't allow me to touch

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have collections, late payments and charge offs that are inaccurate and incorrect. I have reached out to these companies for a method of verification which hasnt been issued to me but still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OK

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

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 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: MD

Complaint narrative:
I am submitting this complaint regarding my federal student loans and how interest accrual, capitalization, and tax-related information have been handled in connection with my eligibility for XXXX XXXX XXXX 

I qualify for XXXX XXXX XXXX  based on my employment as a full-time teacher in an eligible school. However, throughout my repayment period, my loan servicer failed to clearly explain how interest would accrue and capitalize while I was working toward forgiveness. I was not provided with transparent or timely information about how interest accumulation would affect my total balance while pursuing this federal benefit. 

Additionally, I have concerns regarding the lack of clear communication about potential tax implications and reporting related to loan interest and forgiveness. I was not adequately informed about how interest would be reported for tax purposes or whether forgiveness-related adjustments could create tax consequences. This lack of disclosure prevented me from making informed financial and tax decisions. 

Due to unclear disclosures and insufficient servicing, my loan balance increased significantly beyond what I reasonably expected while I was fulfilling the requirements for XXXX XXXX XXXX. I believe the loan servicer failed to provide accurate, consistent, and consumer-friendly explanations regarding interest accrual, capitalization, forgiveness processing, and related tax reporting. 

I am requesting a full review of my account, a detailed explanation of how interest has been calculated and applied, confirmation that my XXXX XXXX XXXX eligibility has been properly handled, clarification of any tax reporting related to my loans, and correction of any errors or unfair servicing practices identified. 

I received inconsistent or conflicting information from different customer service representatives. 
I was not clearly informed that interest would continue to accrue or capitalize while working toward forgiveness. 
Account statements do not clearly explain how interest is calculated. 
I was not informed of potential tax consequences related to forgiveness or interest reporting. 
These issues caused financial harm and hardship while I was serving in an eligible teaching position.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
In XXXX they repeatedly contacted my mother, step father, and brother and never contacted me either over the phone or through written communication. When I reached out to them in XXXX i requested they send written information as I was not getting phone calls only my family was, I also asked them to stop contacting my family and they never provided me with any written information regarding the matter and they have since continued to contact my family

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: IL

Complaint narrative:
I am filing this complaint against CON COL MGMN for reporting an alleged collection account related to XXXX XXXX Apartments that I do not recognize and that has never been lawfully validated. I never received any written notice of this alleged debt, including no initial dunning letter, no notice of assignment, no explanation of charges, and no disclosure of my right to dispute, as required under FDCPA XXXX ( a ). I was not aware of this alleged debt until it appeared on my credit report, which constitutes the first and immediate violation of federal law. After disputing the account, CON COL MGMN failed to provide any lawful validation and continues to furnish this account as accurate without producing a single piece of admissible evidence. Proper validation of a rental or apartment-related debt requires the original signed lease agreement, move-in and move-out documentation, itemized rent and fee ledgers, proof of damages with invoices or photos, proof of notice of charges, payment history, balance calculations, and documented chain of assignment proving CON COL MGMNs legal authority to collect. None of this documentation has been provided. Furnishing an unverified apartment collection without lease records or itemized accounting violates FDCPA XXXX and XXXX, FCRA XXXX ( b ), XXXX ( a ), and XXXX ( b ), and XXXX requirements XXXX accuracy, completeness, and consistency. Reporting this account without evidence constitutes willful noncompliance and reckless disregard for federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I couldn't use debit card and PayPal had deactivated my account. XX/XX/XXXX was sent email from PayPal can't appeal or get funds for 120 days, no reason explained. Spoke with customer service and was only told that PayPal won't allow appeal and doesn't have to give reason for closing my account and money won't be released till XX/XX/XXXX. Final decision. I don't even know what is wrong. All my transactions are legal and I told them I could provide documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: WI

Complaint narrative:
I received a letter from the company stating my bill was due and was soon to be in default if I did not pay the minimum payment. I have algae auto pay set up through my bank account for years and not sure why it would stop. 
I called ED Financial and requested a copy of full accounting for the account, I asked how much of my loan was left and was told over XXXX $ my original loan was for about XXXX. When I told the customer service rep that I had been auto paying for years he stated that my account shows not once have I made any payments towards my loan, when XXXX $ a month was being taken out of my bank account for the loan every month for years. But now theres no trace of payment anywhere. The service XXXX Then states they started servicing my account in XXXX which is a lie because I have emails and documents from my payments to Ed financial going back to XXXX. So where is all the money I paid to this company? And the service rep had no answer for that question. Also the loan number I received on my collection letter is completely different from my original loan number on my payment requests from XXXX to XXXX I believe the company is committing fraud and it needs to be addressed, I am being threatened that if I dont make the minimum payment of XXXX that the account will go into default affecting my credit score I did not give any verbal or written verification to submit my personal information to a third party. The fact that the company is saying I have no account set up for payments is a lie, I have sent hundreds if not thousands over the past XXXX and now theres no record of it anywhere?

Company response to consumer: Closed with explanation