vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On XX/XX/year>, I received an email from Citi stating that my XXXX XXXX credit limit was reduced from [ previous limit ] to {$8800.00}. The email cited " a delinquent credit obligation either paid or unpaid with this account or another creditor '' as the reason for this action. 
This reason is factually incorrect. I have verified my credit reports from all three major credit bureaus ( XXXX, XXXX, and XXXX  ) and confirm that I have XXXX late or delinquent payments on any accounts, including my Citi account. 
When I called Citi today to dispute this reduction, the representative stated that Citi did not pull my credit report. This raises a critical question : How did Citi determine there was a delinquent credit obligation if they did not review my credit? 
This is the second time Citi has reduced my credit limit using this same false justification immediately after I made a large payment. The pattern suggests these reductions are not based on legitimate credit review but occur systematically after large payments. 
These unjustified credit limit reductions directly harm my credit score by increasing my credit utilization ratio. With a current balance of {$8600.00} and a new limit of {$8800.00}, my utilization on this card is now over 96 %, despite having no late payments and a perfect payment history. 
I am requesting : Documentation showing the specific " delinquent credit obligation '' referenced in the email Restoration of my previous credit limit before the last reduction Correction of the false information used to justify this reduction Investigation into why this pattern occurs after large payments The Citi representative was unable to help and stated she would " put in an inquiry, '' the same response I received when this happened previously with no 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 explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
They have been closing my account down for making NECESSARY PURCHASES! BUT that's not all! As soon as I get it straightened out, they shut it down again. They don't stay in office during their hours that are posted on their doors so accessing my money on site is nearly impossible. They won't verify information over the phone no matter how much proof I have. I have run out of food and necessities AND I HAVE MONEY. I guess i should say they have my money because I've been fighting a month to access MY MONEY. Also, explain to me how I can't access my money but they can allow fraudulent charges on my account AFTER THEY BLOCKED ME FROM MY ACCOUNT! What are they doing?

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 2026-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: MN

Complaint narrative:
On XX/XX/XXXX I received notification from XXXX XXXX XXXX Land Services Department  stating our property taxes were delinquent. I immediately contacted Selene Finance, our mortgage processor and received nothing but run around. I submitted the documentation online, as instructed, but nothing happened. 

I followed up a few weeks later and they claimed to have no record of our conversation. I was transferred to the tax department, where I had to leave a message. No one ever returned my call. I continued to follow up on a weekly basis, with no results. During my call with a representative the week of XX/XX/XXXX, I informed the representative that if they did not escalate this matter and have my property taxes paid in FULL, including late fees, interest, and penalties, I would be filing a complaint with the CFPB. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX Land Services to see if they had received payment or if one was pending. No payment had been received. Friday, XX/XX/XXXX I made five phone throughout the day to Selene Financial and after numerous phone prompts I would reach a human and ask to be transferred to the tax department. Each time I was transferred to that team, I would hold for several minutes and then my call would be disconnected. Let me reiterate, this happened five time throughout the day. 

As of todays date my property taxes, which have been escrowed for, remain unpaid and are accumulating fees and interest. My mortgage is always paid on time and our account is in good standing with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: King Newton Financial Services LLC
State: GA

Complaint narrative:
my husband and I applied for mortgage loan, gave personal information on top of bank information of debit card number, the lender claimed she was pulling credit and would get back with us and when i inquired through message if they have an answer for us. in stead of her calling she just sent an email with a genericresponse of what to do to fix your credit. not even a denial or approval so i emailed her and said did we get approved or denied because all she sent was what i said above then she respnded very unproffessional and accused me of being disrespectful and accusatory and said she decided not to work with us after that. and she caused our credit score to go down and have personal information on my husband along with my debit card number and security code that can perhaps get in the wrong hands. i feel like that was defamation of my character and accussing me of not being proffessional and disrespectful when all i did was ask a question if we was approved or denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The companys response addressed all of my issues No I understand the companys response to my complaint No The company did what they said they would do with my complaint No ADDITIONAL COMMENTS The companys response is not true. i never recieved any payment and i did not tell wells fargo that i have any type of attorney that statement is not true and i would like to further go forward in requesting compensation for {$6000.00}.

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 2026-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Sparrow Financial, Inc.
State: CT

Complaint narrative:
Hello, My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to formally dispute a credit card account that was opened using my personal information without my knowledge or authorization. 

In late 2025, after reviewing my credit report, I discovered a credit card account opened with a company called Sparrow in the amount of {$300.00}, ending in account number XXXX. This account has since accrued approximately {$140.00} in interest. I did not apply for, authorize, or benefit from this account at any time. 

Upon discovering the account shortly after it was opened, I made multiple attempts to contact Sparrow to report the issue. I did not receive any results or documentation from the initial investigation. After the account was maxed out, I was able to speak with a customer service representative who informed me of the accrued interest, which led me to open a second investigation. 

This account appears to be the result of identity theft or fraud. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am disputing this account and requesting that it be blocked, removed from my credit report, and that I not be held financially responsible for fraudulent activity. 

I am requesting a full investigation, written confirmation of the results, and immediate correction or deletion of this account from all credit reporting agencies. You could follow up with me either by mail, email ( XXXX ) or by phone at XXXX. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a credit card debt on my credit card on my credit that I did not have or own

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I contacted portfolio recovery on XX/XX/year>, and requested information to prove I opened the account, including phone calls and video footage. 
I gave them over XXXX  days, but received no response. This debt is not mine and I demand its immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
The fraudulent recipient received multiple payments between XX/XX/XXXX and XX/XX/XXXX totaling approximately {$1400.00}, all sent under the belief I was dealing with a legitimate service provider. The payment history shows deposits, service payments, and a later transaction labeled as a full refund related to fraud, which further confirms misrepresentation. 

Despite this clear pattern and my prompt report, Cash App denied my fraud claim and closed my account, preventing access to records and resolution. No meaningful investigation or explanation was provided. 
Although the transaction history reflects a {$720.00} payment labeled as a full refund, I never received or was able to access these funds. My account was closed, and the funds were not made available to me. I am disputing the failure to credit this amount in addition to the underlying fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of the following account currently appearing on my credit file : Creditor : RENTDEBT AUTOMATED COLLECTIONS Account Status : Open Collection Balance Reported : {$2400.00} Date Opened : XX/XX/year> This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

After reviewing this tradeline, it is clear that it contains information that is inaccurate, incomplete, misleading, and/or incapable of lawful verification, in violation of federal law. 

Legal Basis for Dispute XXXX. Failure to Maintain Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. This account lacks essential identifying and contractual information, including but not limited to : The account type Identification of the true original creditor Any documentation establishing a valid consumer obligation XXXX. Incomplete and Misleading Information Reporting the collection agency as the original creditor without identifying the alleged landlord or property owner is misleading and materially incomplete, in violation of 15 U.S.C. 1681a ( 2 ) and 1681e ( b ). 
XXXX. Unverifiable Information Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you may only continue to report information that can be verified through competent evidence. Absent a signed lease agreement, itemized accounting, and proof of lawful assignment or authority to collect, this account is not verifiable under the FCRA. 
XXXX. Failure of Furnisher Compliance Any furnisher reporting information they can not substantiate is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Additionally, misrepresenting the character or legal status of an alleged debt violates 15 U.S.C. 1692e.

Demand for Relief Because this account can not be verified as accurate, complete, and legally reportable, I am demanding the following : Immediate and permanent deletion of this tradeline from my credit file Written confirmation of deletion upon completion of your reinvestigation Please note : Verification through automated systems or database checks does not satisfy the FCRAs reinvestigation requirements. If you are unable to obtain documentary evidence establishing the accuracy and completeness of this account, deletion is required by law. 

Failure to comply with these obligations may expose your agency to civil liability under 15 U.S.C. 1681n and 1681o.

I expect your written response within the time frame mandated by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: VA

Complaint narrative:
Kickoff is reporting a charge off account which makes me no longer responsible for the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
The account is in my deceased mothers name XXXX XXXX. I am the owner of the house XXXX XXXX. On XX/XX/XXXX XXXX XXXX took over my loan from XXXX. They sent me a bill saying I owe {$3900.00}. for XXXX statement. I went back over my payments from the bank and XXXX I paid {$1300.00} that has not shown up on the statement. I paid XXXX, XXXX, XXXX, XXXX of {$1200.00} payment amount showed up. XXXX I paid {$1200.00}, {$420.00}, {$980.00}. to catch up XXXX payment from the transfer and XXXX payment. But the bill states I owe {$5200.00} for XXXX. I have paid {$350.00}, {$180.00} that I could get before my check comes in. Even if I was late every month that still {$30.00} a month. No more then {$360.00} I paid in over that to cover it. I requested an audit of my account in writing on the XXXX of XXXX. Said it would take 7 days to complete. Here it's the XXXX and they now I say I owe {$2700.00}. my monthly payment is only {$1200.00}. I just can't see {$1400.00} is from?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by Carrington Mortgage Services I am submitting this complaint regarding Carrington Mortgage Services for inaccurate and harmful credit reporting related to my mortgage loan.

I filed for bankruptcy in XXXX. My mortgage was NOT discharged, surrendered, or included in the bankruptcy in a manner that relieved me of payment responsibility. I have continued to make my mortgage payments directly to Carrington Mortgage Services and remain obligated on this loan.

Despite this, Carrington Mortgage Services has stopped reporting my mortgage payment history to the major credit bureaus. When I contacted Carrington to dispute this issue, I was told that reporting stopped because my mortgage was included in my bankruptcy. This explanation is factually incorrect.

Additionally, Carrington Mortgage Services is reporting my mortgage account as paid off or closed, which is also false. The loan is active, I am making payments, and Carrington continues to accept those payments.

As a result of Carringtons actions : - My positive payment history is not being reported - My credit score has dropped - My credit profile inaccurately reflects that my mortgage obligation no longer exists - I am being harmed financially and reputationally through no fault of my own Carrington Mortgage Services is choosing to report incomplete and inaccurate information, which violates the Fair Credit Reporting Act ( FCRA ) requirement that furnishers report information that is accurate and not misleading. If Carrington elects to report to the credit bureaus, it must do so accurately.

I am requesting that Carrington Mortgage Services be required to : XXXX. Correct the inaccurate status of my mortgage account ( remove paid off or closed status ) XXXX. Resume accurate reporting of my mortgage to all major credit bureaus XXXX. Report my on-time payment history since my bankruptcy filing XXXX. Provide a written explanation for why inaccurate information was reported I am prepared to provide : - Proof of ongoing mortgage payments- Mortgage statements- Bankruptcy documentation showing the mortgage was not discharged I respectfully request CFPB assistance in ensuring Carrington Mortgage Services complies with federal credit reporting requirements and corrects the harm caused by its inaccurate reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
A collection account was reported for a debt that was not owed. I disputed the account with the credit bureau, and the furnisher updated the account to a {$0.00} balance and corrected status, confirming no valid debt exists. Despite this, the collection continues to be reported. I am requesting deletion of this collection from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. CXX/XX/XXXXe XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XX/XX/XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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