vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to Bank of America regarding a business credit line ( account ending in XXXX ) under my company XXXX XXXX XXXX XXXX XXXX, and a related account ending in XXXX, which I do not recognize. I requested signed agreements, transaction history, and an internal investigation of unauthorized cash advances that appeared in XXXX. 

I received no response from Bank of America. However, on XX/XX/year>, I received an internal Bank of America email showing that my dispute had been forwarded to other departments, but no one ever contacted me or provided the requested documentation. 

The disputed debt was then sent to a third-party collector, XXXX XXXX  XXXX I submitted a timely dispute to XXXX. They responded twice with the same account statements, but failed to provide a signed agreement, balance breakdown, or any explanation of how this debt was incurred or why I am responsible. 

Despite these efforts, collection activity continued, and neither company has complied with my written validation requests. I believe this debt may be the result of internal error or identity misuse. I am asking the CFPB to compel proper validation, suspend collection activity, and prevent any further harm to my business or credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
After receiving a credit alert from XXXX  for another fraudulent account, I reviewed my other credit reports and found another fraudulent account reported only to transunion : GS BANK USA ( XXXX XXXX P.O. XXXX XXXX XXXX, PA XXXX ) with available credit of {$12000.00} and current balance of {$12.00}. It was opened XX/XX/XXXX but reported on XX/XX/XXXX. Apparently this is an Apple Card Goldman Sachs credit card. I tried calling their number but was not connected to a representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
Recently my cellular device was broken phone number XXXX, I switched on my account to a different cell phone number which is XXXX, that cell phone is not in my name but I did have that cell phone in my hand because it was a gift given to me by an old boyfriend. This guy 's name is XXXX XXXX, he got my cell phone cut off as we were no longer dating and switch the number to another phone. I can't say for sure who did what, but I know that I did not charge over {$1300.00} on a system called XXXX.... or something of that nature. I have repeatedly Asked these people to refund my money. And not only that, there have been hundreds more taken out recently that they DID replace, but REFUSE to give back the money I have been largely robbed of. Customer service is ridiculous they are the most hateful unwanted people that I've ever dealt with in my life. And it does absolutely no good to have a supervisor on the line because I've spoken to XXXX in the past XXXX weeks and all of them has made fun and ignored completely my wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 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: FL

Complaint narrative:
I noticed on credit report.. I reached out to original creditor, they advised they shown on account under my name. Except for an APPROVAL, that i never used. I reached out to hauffman, they never sent proof, also disputed with credit agencies, and they falsely verified the info. They are impossible to contact and when you do, they are threatening and rude

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Problem started XX/XX/XXXX while trying to pay off and close my Biglots account thru Comenity Capital Bank XXXX Texas. 
Called in XX/XX/XXXX to pay off. Asked for the payoff. Was told that do to the billing cycle that there would be an unknown amount that would still be owed and that I would need to do that during a specific time. I called again on the date specified to pay the final {$36.00}. I asked if this covered everything to settle my account and was told this was the final amount and that there would be no further payment required. 
Since XX/XX/XXXX thru XX/XX/XXXX they have added penalties totaling {$150.00}. I called today XX/XX/XXXX and spoke to XXXX. He put me on hold for less than XXXX minute to speak to a higher power and came back to say if I paid {$53.00} all would be resolved. He said when I made the last payment that there was still a {$9.00} associates fee that was in play. I told XXXX thank you for his XXXX minute fight on my behalf but that I would be instead going the option of filing a complaint against Comenity Bank for harassment and fraudaulent practices. 
I appreciate anything that can be done to stop them. Regardless I refuse to pay even XXXX more dollar to these scammers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: PA

Complaint narrative:
I'm calling about my XXXX XXXX debit card I use for online bill payments. 
E.very time I make transaction, tells me card was declined. Called support no on card. they were rude and non empathetic, I said why do my payments keep being declined ; they said card may been compromised. They mailed a card in mail. This same thing happened already XXXX  month before. I said ; tell me how to avoid this happening every month. They didn't want to answer me, kept talking over me. Asked for supv, she seemed evasive also. Asked why does this keeps happening, couldn't get an explanation. I was never notified my account was froze. they just mail card and you need to wait XXXX weeks to get replacement, meanwhile couldn't pay bills for internet, phone, purchases. This is a problem I never have with my credit cards or other debit cards. HELP ; this company should not have a govt contract, they are a either incompetent and this should not happen to people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
Subject : Cease Communication Notice-FDCPA To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). You are hereby directed to cease all communication with me immediately regarding all any alleged debt. This includes phone calls, voicemails, emails, text messages, social media contact, or contact through third parties. Any further contact from your company, other than written confirmation that communication has ceased or notice of specific legal action, will be documented as a violation of federal law. This request is not a refusal to pay. It is a request to stop harassing communication. 15.U.S.C 1692g 15. U.S.C 6802 15. U.S.C 1681n 15. U.S.C 1681g

Company response to consumer: Untimely response
Consumer complaint received 2026-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This vehicle loan was charged off following repossession. Equifax stopped reporting the account and balance activity in XXXX, however XXXX  continues to report the account as charged off with an outstanding balance. 

A charged-off account should not continue to update or report inconsistently across credit bureaus. The continued reporting on XXXX  while Equifax has ceased reporting indicates that the information being furnished is inaccurate, obsolete, or unverifiable. 

I previously disputed this account with XXXX  and XXXX, but the inaccurate reporting remains. I am requesting that the lender provide documentation validating the charged-off status, balance, and original date of first delinquency, or correct/delete the account to ensure accurate and consistent reporting across all credit bureaus in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Background I was a tenant at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX until XX/XX/XXXX. I lawfully terminated my tenancy under XXXX  XXXX XXXX XXXX due to serious habitability violations, constructive eviction, and landlord breaches. Written notice, documentation, and third-party municipal involvement were provided at the time of termination. I vacated the unit fully on XX/XX/XXXX. 
At the time of move-out : All rent had been fully paid No rent balance existed No damages were assessed No walk-through with Landlord was conducted No itemized statement was ever provided No deposit accounting was ever issued My {$3900.00} security deposit was unlawfully withheld Under XXXX  XXXX XXXX XXXX XXXX any landlord claims were legally time-barred 21 days after move-out. 
Fabricated Debt In XX/XX/XXXX XXXX months after I vacated the landlord falsely reported that I owed {$8700.00}. This amount was later unilaterally altered to {$2900.00} without any lawful accounting, invoice, lease support, court judgment, or notice to me. 
I was never served any bill, demand letter, notice of charges, or validation before this debt was furnished to consumer reporting agencies. 

The attached rent ledger, payment confirmations, XXXX XXXX, and management correspondence demonstrate that : My rent was paid in full through XX/XX/XXXX No post-tenancy rent was owed No legal charges existed The reported balance was fabricated Violations NCS is currently furnishing and attempting to collect information that is materially false, in violation of : FCRA 15 U.S.C. 1681s-2 ( a ) & ( b ) Furnishing inaccurate information and failing to reasonably investigate FDCPA 15 U.S.C. 1692e False representation of amount and legal status of debt FDCPA 15 U.S.C. 1692f Unfair and unconscionable collection practices FDCPA 15 U.S.C. 1692g Failure to provide lawful validation XXXX  XXXX XXXX XXXX Time-barred landlord claims NCS has admitted they are merely collecting what was provided by the original creditor, yet no lawful proof of debt exists. 
A fabricated ledger does not constitute validation. 

Harm This false reporting has caused significant financial, emotional, and reputational harm, including : Credit damage Loan denials Housing interference Ongoing emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Collection Account World acceptance acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX To Whom It May Concern, I am writing to formally dispute the validity of a collection account that appears on my XXXX  credit report. The account in question is listed as : Creditor/Collection Agency Name : XXXX XXXX Account Number This account is inaccurate, incomplete, and unverifiable. I request that XXXX  conduct a full reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and remove this item if the furnisher can not provide documented proof of its accuracy. Additionally, I want to emphasize that my personal information was compromised in the XXXX  data breach of XXXX, which exposed Social Security numbers, dates of birth, and other sensitive identifiers of millions of consumers. Due to this breach, I have reason to believe this alleged account may be the result of identity theft, fraud, or errors related to compromised data. As such, I demand : 1. A full reinvestigation of this collection account. 2. Verification documents from the original creditor showing I authorized this debt. 3. Immediate deletion of this account if no verifiable evidence is provided. Under the FCRA, you are required to complete your reinvestigation within 30 days and provide me with written results. If this account can not be substantiated, it must be deleted from my file. Please send all correspondence to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I recently discovered a credit card account listed on my credit report that I did not open or authorize. I do not recognize the creditor or the charges associated with this account. I believe this may be the result of an error or possible identity fraud. I have attempted to address this matter and am requesting a full investigation and correction, including removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
They call about 7 times everyday even on the weekend I missed one payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against CIT Bank regarding their ongoing failure to assist me with a basic account issue, despite five months of repeated and consistent efforts on my part.

For over five months, I have been unable to access my account solely because CIT Bank has refused or failed to update my phone number. During this time, I have contacted their customer service weekly via phone and email. I am repeatedly told that I will receive a follow-up email or call, yet no such communication ever occurs. 
I have worked directly with an employee named XXXX, who stated he was in charge of my case, as well as XXXX, a supervisor. Unfortunately, neither individual has provided any meaningful assistance. Their only response has been to tell me to wait for an email, which has never arrived despite months of waiting. 

I have fully cooperated at every stage and provided all requested verification information, including : My physical mailing address My email address A photo of my drivers license Despite successfully passing security verification every time I call, CIT Bank continues to refuse to resolve this issue or update my phone number during the call. I do not understand why this matter can not be fixed on the spot when all identity and security requirements have been met. 

Adding to my frustration, CIT Bank continues to send me promotional emails encouraging me to invest or participate in new products, including recent emails about promotions and investing in platinum. It is unreasonable and concerning to receive marketing communications when I can not even access my existing account. 
Previously, I contacted the CFPB and, as a result, CIT Bank emailed me instructing me to call customer service. When I called and referenced this email, I was told it was an old email, which is not possible, as it clearly contained the current date. Once again, I was told to wait for another email that has never been sent.

After five months of delays, contradictory statements, and lack of follow-through, I am requesting CFPB assistance to compel CIT Bank to : Immediately update my phone number Restore full access to my account Address the lack of proper communication and case handling I have acted in good faith throughout this entire process, yet CIT Bank has failed to resolve a straightforward issue that should not take months to correct.

Thank you for your time and assistance. I am hopeful that your involvement will finally lead to a resolution. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
XX/XX/year>, my home loans was originally with Fay Servicing , LLC and I had no escrow shortages or mortgage payment increases. Then when XXXX assumed the mortgage in XXXX or XX/XX/year>, all of a sudden my mortgage payments increased and now I am receiving escrow analysis just about every other month stating that I have a shortages. Originally, my monthly payments with Fay Servicing was {$1300.00} and now they increased to {$1900.00} and prior was {$1900.00}. 

I've corresponded with XXXX several times via phone calls and messages via their portal as to what happened between the assumption of the mortgage from Fay Servicing to them. I never received a viable answer. My hazard insurance has not increased nor have the real estate taxes that warrant this unsustainable increase in mortgage payments, I would like an investigation into XXXX 's practices. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am filing a new complaint regarding the failure of Aidvantage and the U.S. Department of Education to provide legally sufficient notice before resuming repayment and reporting my federal student loan as delinquent.

Following the end of CARES Act payment suspensions on XX/XX/year>, my loan was re-aged into active repayment and later reported as 90 days past due. This occurred without any confirmed borrower acknowledgment, consent, or documented receipt of repayment notices. 

Although the servicer asserts that billing statements and notices were generated, there is no evidence that such notices were meaningfully delivered or received prior to negative credit reporting. Sending automated statements alone does not satisfy federal servicing and due process requirements when transitioning a borrower from long-term administrative handling into active repayment. 

This issue remains unresolved despite a prior CFPB complaint, on which I submitted feedback disagreeing with the companys response. 

I am requesting : Documentation showing the lawful resumption of repayment Proof of delivery and receipt of repayment notices Correction of all delinquency reporting if proper notice can not be established

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Remitly, Inc.
State: KY

Complaint narrative:
My money was stolen out of my XXXX  XXXX banking account and identity. Remity shows my funds of XXXX be transferred out of my banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union is reporting an account with an incorrect date opened and improper re-aging. The account was originally opened in XXXX, not XXXX as reported. This tradeline has been charged off and is being reported beyond the 7-year reporting period permitted by the Fair Credit Reporting Act. I am disputing the inaccurate date opened, improper re-aging, and continued reporting. The account should be corrected or removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
I do not recognize this debt or the collection agency Credit Control , LLC. I have no knowledge of any account with this company, nor have I received validation showing I am legally responsible for the alleged balance. This collection account appeared on my credit report without prior notice or proof of obligation. I dispute this debt in full and request validation. Reporting an unverified debt is inaccurate and harmful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Someone purchased a Ford truck in my name. I submitted the necessary paperwork to Ford, stating I was the victim of ID theft. Ford still says the vehicle is mine and they are going to ruin my credit.

Company response to consumer: Closed with explanation