vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 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: Marlette Funding, LLC
State: GA

Complaint narrative:
Statement XXXX the Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding XXXX XXXX Failure XXXX Provide Services, Misrepresentation, XXXX Intentional Delay Beyond Credit Card Dispute Window I am filing this complaint regarding XXXX Accounting for failure XXXX perform paid tax preparation services, misrepresentation of work completed, XXXX XXXX delay that prevented me from disputing the charges within the credit card companies XXXX window. Timeline of Events XXXX Payments XX/XX/XXXX : I paid {$300.00} using my Prosper credit card as a deposit for XXXX Accounting XXXX prepare and file my XXXX Offer in Compromise ( XXXX ). At that time, I was informed that I had several years of back taxes for XXXX and XXXX that needed XXXX be filed before the XXXX could be submitted. XX/XX/XXXX : I paid an additional {$600.00} using my XXXX XXXX credit card for the same tax preparation services. My Efforts XXXX Cooperate XXXX Provide Documentation I repeatedly contacted XXXX Accounting by phone, email, XXXX in person. I provided all required documents promptly. I also stressed XXXX them that the filings needed XXXX be completed before XX/XX/XXXX, prior XXXX the start of the tax season. Despite this, I was repeatedly told that someone would get back XXXX me, but no work was ever completed. XXXX of NonPerformance When I accessed my XXXX online account, I discovered that : No tax returns for XXXX or XXXX were ever filed, despite being paid for. No Offer in Compromise was ever submitted. No XXXX XXXX XXXX XXXX XXXX Form XXXX ) was ever filed, meaning XXXX XXXX never even established authorization XXXX work on my behalf. The enclosed XXXX transcripts confirm that no filings exist for XXXX, XXXX, or any XXXX submission. Evidence of XXXX XXXX The credit card companies have stated that the charges fall outside the XXXX dispute window. However, XXXX Accountings pattern of behavior repeated delays, lack of communication, XXXX failure to perform any work appears intentional XXXX designed XXXX push me past the dispute period. This is a deceptive business practice that caused financial harm. Requested Resolution I am requesting : A full refund of the {$300.00} Prosper credit card charge, XXXX A full refund of the {$600.00} XXXX XXXX credit card charge, Recognition that the XXXX dispute window should not apply due to XXXX Accountings deceptive delay XXXX complete failure XXXX provide services. XXXX XXXX accepted payment, performed no work, and misrepresented the status of my tax filings. Their actions constitute fraud, misrepresentation, and unfair business practices. I respectfully request the CFPBs assistance in obtaining a full refund XXXX holding this company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, we discovered two unauthorized transactions on our Citibank savings account. Both transactions occurred on XX/XX/year>, and were processed as branch teller withdrawals. The first transaction, in the amount of {$20000.00}, was made at approximately XXXX XXXX ET. The second transaction, totaling {$10000.00}, was made at approximately XXXX XXXX ET. Both transactions were associated with teller number XXXX, resulting in a total unauthorized withdrawal of {$30000.00}. This account is a joint account ; however, one of the account holders was not present in the country at the time of the transactions, making it impossible for them to have authorized or conducted these withdrawals. Additionally, both debit cards associated with the account were in our possession, further confirming that no authorized individual conducted these transactions in person. Upon discovering the unauthorized activity, we immediately visited a nearby Citibank branch. The staff informed us that the transactions were not processed at their location and provided us with the address of the branch where the withdrawals occurred. We then visited that branch and spoke with the manager, who confirmed that the teller associated with the transactions could be identified internally through the teller number. However, we were informed that they were unable to disclose the tellers identity or provide access to surveillance footage, as this would require a formal investigation by Citibank. We were advised to file a fraud claim, which we promptly did. We also indicated our intention to file a police report. The branch manager stated that surveillance footage would not be made available to us or to law enforcement unless requested through Citibanks internal investigation process. Approximately six weeks later, we received a mailed Decision on Fraud Claim stating that the transactions were determined to be our responsibility. However, when we contacted Citibank customer service, we were informed that, according to their system, the case remained open and under investigation, and that no final determination had been made. Since then, we have contacted Citibank on a monthly basis seeking updates, but have consistently been advised to wait longer without receiving a clear resolution.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I disputed a {$2100.00} charge from XXXX with U.S. Bank. The bank initially issued a credit, then reversed the decision XXXX paid the XXXX. I contacted U.S. Bank XXXX understand the basis for this reversal and requested the documentation provided by XXXX that justified the charge. A representative informed me that the request would be escalated XXXX that I would receive documentation by email. I was never contacted again XXXX no documentation was provided. I have made multiple attempts XXXX follow up XXXX have received no response. I am requesting : A full explanation of why the dispute was denied Copies of all documentation provided by XXXX Confirmation that the charge was properly authorized The bank has failed XXXX respond XXXX my dispute follow-up XXXX has not provided the requested documentation. I am requesting a formal review of this matter.

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 2026-04-20 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding a collection account reported by FCO that remains on my credit reports despite repeated disputes and failure to properly verify the debt. Since 2023, I have submitted multiple disputes to XXXX XXXX XXXX requesting validation of this account, including a request for documentation bearing my signature and clear evidence that I am legally obligated for this alleged debt. To date, I have not been provided with any signed contractual agreement or competent evidence that satisfies the legal requirements for verification. Instead, I have received incomplete and unreliable documentation that fails to establish liability. Additionally, this account is being reported with materially inconsistent information, including conflicting open dates and last activity dates across credit bureaus. This constitutes inaccurate and misleading reporting. This conduct is in violation of multiple provisions under federal law, including : * Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy in reporting. The inconsistent dates and incomplete information clearly violate this standard. * FCRA 15 U.S.C. 1681i ( a ) : Requires a reasonable reinvestigation of disputed information. Repeatedly verifying the same insufficient documentation does not constitute a reasonable investigation. * FCRA 15 U.S.C. 1681s-2 ( b ) : Requires furnishers ( FCO ) to conduct a proper investigation and report accurate results after receiving a dispute. This obligation has not been met. * Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations, including reporting inaccurate or unverifiable debt. * FDCPA 15 U.S.C. 1692g : Requires validation of debt upon request. The failure to provide sufficient documentation, including a signed agreement, is noncompliant. Given the failure to provide adequate validation and the presence of demonstrably inconsistent reporting, this account is unverifiable and does not meet the legal standard for continued reporting.

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 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Complaint Against : LVNV Funding LLC I am filing this complaint against LVNV Funding LLC for reporting inaccurate, incomplete, and unverified information on my consumer credit report. I formally disputed this alleged debt and requested validation pursuant to the Fair Debt Collection Practices Act. In response, LVNV Funding LLC provided only a self-generated account summary, which does not constitute competent or independent verification of the alleged debt. The documentation provided fails to establish : Any contractual agreement bearing my signature That I incurred or authorized this alleged debt That the amount being reported is accurate That LVNV Funding LLC has legal ownership of this specific account Despite the lack of proper validation, LVNV Funding LLC continues to report this account to consumer reporting agencies, including XXXX XXXX XXXX XXXX This conduct appears to violate the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681s-2 ( b ) Failure of a furnisher to properly investigate disputed information LVNV Funding LLC is relying on a self-generated account summary, which is not independent or verifiable evidence. This does not meet the legal standard required for verifying a disputed debt. Additionally, continued reporting of this account without proper verification is misleading and harmful. Further, if this account was reported to consumer reporting agencies without first providing proper notice to me, this raises concerns of unlawful debt parking, which has been addressed in FTC v. XXXX XXXX XXXX as a deceptive and unfair practice. I am requesting the following resolution : Immediate deletion of this account from all consumer reporting agencies Written confirmation that the account has been deleted A detailed explanation of how this account was verified without supporting documentation from the original creditor I have made a good faith effort to resolve this matter directly with LVNV Funding LLC. However, they have failed to provide sufficient documentation to support the validity or accuracy of this alleged debt. Their continued reporting of unverified information is causing harm to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
We have XXXX VA home loans serviced by Freedom Mortgage for XXXX different properties. We have auto payment enabled on both of them which gives Freedom Mortgage the ability to adjust payments so we always pay on time. For the last year and a half they have not adjusted payments on time which lead to late charges for us. I've had to call multiple times for both loans to get those late charges removed or applied to the mortgage to make up the difference of the loan. They have been servicing our loans for years without any issue when loan payments needed to be adjusted and it's only been in the last year and a half that we've run into issues with them not adjusting the auto payments on the correct schedule to avoid late fees. I am tired of wasting my time calling them to dispute the late charges which is why I'm filing the formal complaint.

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 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. regarding an alleged debt they are attempting to collect through litigation. Midland Credit Management has filed a lawsuit against me for an alleged debt that they have failed to properly validate. Upon review of the documentation they provided, specifically the bill of sale, there is no identifying information linking me to the alleged account. The document lacks my name, account number, or any unique identifier that proves I am the rightful party associated with this debt. Instead, it appears to be a generic bulk transfer of accounts with no specific validation. Despite my formal request for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), Midland Credit Management has continued collection efforts and escalated the matter to a lawsuit without providing sufficient evidence that I owe this debt. Additionally, I have obtained a 1099-C issued by the original creditor, indicating that the alleged debt was canceled. This raises serious concerns about the legitimacy of Midland Credit Managements claim, as the debt appears to have already been treated as canceled and reported as income. Their actions constitute : Failure to properly validate the debt Misrepresentation of the legal status of the debt Attempting to collect on a debt without sufficient documentation Potentially deceptive and unfair collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: FL

Complaint narrative:
I filed XXXX. XXXX bankruptcy in XXXX and received a discharge on XX/XX/XXXX. The loan was listed in my bankruptcy and should have been discharged. Despite this, the servicer has continued to collect payments from me after discharge. I have paid substantial amounts since XXXX. I have reason to believe this loan does not qualify as a " qualified education loan '' under 11 USC 523 ( a ) ( 8 ) and should not have survived discharge. I contacted the company and requested documentation, including the promissory note and evidence that this loan qualifies as a qualified education loan as well as the basis for continued collection post discharge. I have not received a response. I am requesting the company : 1 - Cease collection activity 2 - Correct the account to reflect a XXXX balance 3 - Review and refund payments collected after discharge They have stopped collection as of XX/XX/XXXX, but the loan is still on my credit report showing a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
XXXX sent XXXX days ago requesting proof Select Portfolio Servicing provide proof they actually hold the mortgage debt, asking for : XXXX of custody with all banking and accounting, contracts signed, amounts exchanged or other consideration, including XXXX showing bank payment of taxes on any charge-offs, of this note dating back through its origination under XXXX XXXX. -who funded the loan. -where is proof of consideration. XXXXwhether XXXX and/or SPS delivered it to the trust by the date required. XXXXwhether XXXX and/or SPS possess the original note now. -who endorsed it and when. -whether the note was hypothecated more than once. -whether the trust is still a valid XXXX XXXX -whether members of the SPS XXXXirm can swear under oath under penalty of perjury to all the above. In addition, the New Jersey XXXX has kept files of my complaints about SPS adding late fees for payments not late while I have disputed their misapplication of funds, and XXXX illegal double-tracking by initiating foreclosure action during multiple reviews of modification of the mortgage and its continued failure to accept and review documents provided including pay stubs and bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I am filing this complaint due to repeated failed attempts on my part to resolve a debt with Tower Loan prior to any legal or garnishment action being taken. After initially falling behind on the loan due to a loss of employment, I made multiple good faith efforts to communicate with Tower Loan and work toward a resolution. During that time, I specifically reached out and explained my situation, including that I had lost my job shortly after taking out the loan and was doing everything I could to stabilize financially, especially with a child on the way. Once I secured new employment, I again reached out directly to Tower Loan and informed them that I was now in a position to begin repayment and wanted to settle the account. During these communications, I was repeatedly told by a representative ( XXXX ) that the matter would be handled internally and that I would be able to resolve the debt without escalation. Despite these assurances, I received no meaningful follow-up, no clear resolution options, and no structured attempt to settle the account. Instead, without proper communication or warning consistent with my prior discussions, the matter escalated to legal action and wage garnishment. At no point did Tower Loan make a genuine effort to work with me after I re-established income and expressed willingness to pay. My attempts to resolve the matter in good faith were effectively ignored. Additionally, once the account was turned over to XXXX ( legal representation ), I continued to attempt communication in an effort to resolve the matter. However, I was repeatedly redirected between Tower Loan and the attorneys office without receiving clear answers, resolution options, or meaningful engagement. This created a cycle where no party took responsibility for addressing the situation, while enforcement actions continued to move forward. As a result of this lack of communication and failure to engage, the balance has continued to increase due to added fees and interest. This escalation could have been avoided had my earlier attempts to resolve the matter been taken seriously. I believe Tower Loan failed to act in good faith by not responding appropriately to multiple settlement attempts, and by allowing the account to escalate unnecessarily. I also believe the handling of this matter reflects a breakdown in communication and responsibility between the lender and their legal representation. I am requesting that this matter be reviewed, that proper accountability be established, and that a reasonable resolution be considered given my prior documented efforts to settle this debt before legal escalation occurred. All you have to do is request the calls between XXXX and I of me begging him to resolve this.

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 2026-04-20 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that is reporting inaccurate information. I have XXXX late payment on an account that i was in fact paid on time the consumer reporting agencies need to report all information with complete accuracy this account has not been late im requesting you investigate this account and update to paid on time never late

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am filing a complaint regarding my banks handling of a fraud claim involving unauthorized electronic fund transfers totaling {$3000.00} in XX/XX/year>. I was the victim of an imposter scam in which an individual posing as a representative from my banks fraud department contacted me and instructed me to take immediate action to secure my account. Acting in good faith and under the belief that I was working directly with my bank, I followed these instructions, which resulted in two XXXX XXXX transactions ( {$1600.00} and {$1400.00} ). I reported the incident promptly. While provisional credits were issued, they were later reversed, and I was held responsible for the loss. These transactions were not authorized in any meaningful or informed sense. They were induced through deception by an individual impersonating the bank. I did not intend to send funds as legitimate payments. I previously sent a formal written request for reconsideration to the Office of the President, but I have not received a response. Under Regulation E of the Electronic Fund Transfer Act, I believe these transactions qualify as unauthorized electronic fund transfers due to fraud and lack of informed consent. This situation has caused significant financial hardship, impacting my ability to meet basic financial obligations. I am requesting that the bank : * Reconsider its determination * Evaluate this case as an imposter scam involving bank impersonation * Refund the full {$3000.00} to my account I am seeking a fair resolution based on the facts and applicable consumer protections.

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