vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX I attempted to order from XXXX total charge of {$320.00}. I used my name and my Fiancs address in XXXX Maryland as a safe place to receive packages during the holiday season. Initial notification Order # XXXX. Citi XXXX XXXX notification response dated XX/XX/XXXX declining the order in the amount of {$320.00}. Due to the Citi card declined notice my Fiancs ordered the exact same order with his credit card associated with his address totaling {$320.00}. XXXX confirmation order # XXXX. XX/XX/XXXX I realized I had 2 exact orders. I contacted CitiCard seeking to understand why my card was charged after I received a declined notice for {$320.00}. I filed a dispute on XX/XX/XXXX however receiving a notice dated XX/XX/XXXX. I also contacted XXXX to cancel order # XXXX that I thought was declined on XX/XX/XXXX. XXXX advised I would receive a full credit but only receive {$22.00} of the {$320.00}. CitiCard statement attached supports the {$22.00} credit and the dispute. XX/XX/XXXX I contacted XXXX again about my refund. The representative stated an additional credit of {$68.00} could not be processed because the dispute was blocking the request. However, once the dispute was lifted the credit would be applied. Also, once the items were returned additional credits would follow. XX/XX/XXXX I received the returned labels and returned the remaining items on XX/XX/XXXX. Credit of {$210.00} would be applied. I was also charged {$7.00} process fee from total {$320.00}. If the credit were applied timely it would have satisfied the disputed balance. XX/XX/XXXX I was going through my email. To my surprise an alert stating CitiCard is past due with a {$40.00} minimum due. This card balance was paid in full less the dispute pending on XX/XX/XXXX in the amount of {$210.00}. After contacting XXXX again a credit of {$68.00} was applied and {$210.00} was in process. XX/XX/XXXX This is the final credit. However, my credit has been damaged from multiple mistakes from the lender and vendor. I should not be responsible for their lack of timely response. XX/XX/XXXX Sent payment of {$60.00} from my bank account. My credit score decreased by XXXX points due to the lender and vendor untimely response .. XXXX XXXX attached. Please correct, remove and update my credit report. I can be reached at XXXX. I really appreciate your attention on 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 explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
I was contacted by a person claiming to be XXXX from National Service at XXXX on XX/XX/2026 at approximately XXXX XXXX XXXX. He attempted to collect a debt allegedly owed by my deceased mother and falsely claimed that I am personally responsible. I am not a co-signer and do not owe this debt. The caller refused to provide a last name, mailing address, email address, or any verifiable company information. He also threatened to pursue my father, who has XXXX, even after being informed of his condition. I believe this is either a scam or a violation of the Fair Debt Collection Practices Act due to misrepresentation, harassment, and refusal to provide required identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Source Receivables Management has now failed twice to address the specific legal grounds raised in my dispute. Their CFPB response dated XX/XX/XXXX was a generic closed with explanation response that did not address a single one of the four documented inaccuracies I identified. XXXX conducted a reinvestigation on XX/XX/XXXX under report number XXXX and also returned no change without addressing any specific grounds. Both the furnisher and the bureau have now ignored documented legal violations. Source Receivables Management is reporting a XXXX collection account of {$120.00} on my XXXX credit report while this account is completely absent from both XXXX and XXXX. A debt collector that can not report consistently across all three bureaus has no verifiable basis for reporting this account on any bureau. Source Receivables Management never sent me a written validation notice as required by 15 U.S.C. 1692g ( a ) before placing this collection on my credit report. This is not a technicality. Placing a collection on a consumer 's credit report without first providing a validation notice is a standalone and willful FDCPA violation that exposes Source Receivables Management to civil liability under 15 U.S.C. 1692k regardless of whether the underlying debt is valid. Source Receivables Management confirmed the account went delinquent on XX/XX/XXXX but has not provided documentation of the exact date of first delinquency reported to XXXX. The date of first delinquency determines the XXXX year reporting clock and must be accurately reported under FCRA standards. They have not provided it.The {$120.00} balance has never been verified with an itemized breakdown. No documentation has been produced showing the original principal, any post-default interest, or any fees added after placement. An unitemized balance can not be certified as accurate under 15 U.S.C. 1681s-2 ( a ) ( 1 ) .A second wave furnisher dispute letter was sent to Source Receivables Management on XX/XX/XXXX via certified mail. A method of verification demand was sent to XXXX on XX/XX/XXXX. Both are now on record. Source Receivables Management has had multiple opportunities to address these violations and has refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Illegally Froze My Account and is Withholding my {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding an auto loan with Westlake Financial Services. I purchased this vehicle through a dealership in Arkansas that is now bankrupt. Since the purchase, I have been unable to obtain a legal title or register the vehicle in Georgia. I have been communicating with Westlake Financial Services for approximately 23 months regarding this issue. During this time, I have repeatedly been told to continue making payments ; however, no resolution has been provided regarding the title or registration problem. The XXXX Department of Revenue Motor Vehicle Division has already contacted the lender regarding the title issue, but the matter remains unresolved. Despite making payments and attempting to resolve this issue, I am still unable to legally register, fully insure under ownership, or properly use the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.

Complaint narrative:
This is a continuation of closed case. XXXX. I have not received confirmation that they closed my account XX/XX/year> XXXX XXXX ( Citbank Execurive Response Unit ) informed me they started processing the Fraud and and they will reimburse me. XX/XX/year> XXXX I replied : Kindly, 1. Cancel the newly issued card 2. Close my account and send confirmation 3. Refund my payments account you extracted the funds I only have this option to send my request to you ' Regards, XXXX XXXX

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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc.
State: MO

Complaint narrative:
I first emailed them on XX/XX/XXXX, I sent a second email XX/XX/XXXX. I then got a response on XX/XX/XXXX asking for personal information to help find the account. I gave them my name, email, phone number, FTC identity theft report, lease, credit card statement and phone bill. After giving them those details, 3 days later they claimed due to their internal investigation the account belongs to me without providing me any documents or information regarding their investigation. Under Fair Credit Reporting Act ( FCRA ) laws, you are required to furnish proof that this account actually belongs to me. Please provide legal documentation showing that the account was owned and operated by me, as well as evidence confirming that I was the individual who created it. Additionally, the FCRA states that collection activities must cease until such legal documentation is provided Their website does NOT require anyone to provide ID. Like drivers license, state ID, nothing along those lines. Ive asked over and over to provide written proof to my mailing address showing the account belongs to me, Theyve refused over and over again. Nothing in that account links MYSELF to it, They are violating federal law at this point, Therefore the account needs to be closed and collection activity needs to cease due to it being identity theft. They give the same copy and paste response each time someone follows up but its just AI using a script.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: COMMERCE BANK
State: OK

Complaint narrative:
On XX/XX/XXXX I requested and received a pay off quote as I intended to refinance my car. The pay off quote came out to be {$35000.00} with a per diem of {$8.00} a day. On XX/XX/XXXX I received a call with a voice mail stating they needed to speak with me. After calling back they informed me I owed an additional {$980.00}. I responded with I was quoted with the XXXX on XX/XX/XXXX and they held strong with owing the XXXX. I then had them send me a payoff quote of what was supposedly the correct one. I spoke with them XX/XX/XXXX attempting to work this issue out and did notate that my payment was due Tuesday and I do not want to take a risk of taking a credit hit. They told me they would call me by Tuesday ( XX/XX/XXXX ). They did not call me I called them at XXXX and XXXX to follow up with the issue. I later paid the balance to protect my credit and get the lien released to the bank I refinanced to. Later I called them on XX/XX/XXXX to ask for an update and the representative I was working with wasnt available. XX/XX/XXXX I followed up again where I was offered a {$50.00} giftcard for the issue which I didnt feel like was a fair conclusion so I declined. XX/XX/XXXX I called again to follow up and asked for the representative he did not answer or call back. XX/XX/XXXX I called again to follow up and asked to speak to the representative and he called me back shortly after and told me that the {$50.00} giftcard was the best theyd be willing to do. I declined again and asked for accountability on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding inaccurate credit reporting by Kickoff Lending. My credit report currently reflects that my account with this company has been reported as 60 to 89 days late. This information is incorrect, as I have never been late on this account. The presence of this inaccurate late payment history is severely damaging my credit profile and misrepresents my payment behavior. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate and verifiable. Reporting false delinquency status is a violation of these standards. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. Specifically, I am requesting : * Verification of the reported late payments by Kickoff Lending. * Immediate correction or removal of any inaccurate delinquency reporting. * Confirmation that my account is accurately reflected as current, with no history of late payments. If Kickoff Lending can not provide sufficient documentation to support these claims of delinquency, this information must be removed from my credit report promptly. This issue is causing significant harm to my financial standing, and I request urgent resolution. Please keep me informed of any updates or actions taken regarding this complaint. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding an installment loan account that is being reported on my credit report with inaccurate and/or unverified information. I previously disputed this account with the credit reporting agencies and requested proper verification. However, the account continues to be reported without sufficient proof of accuracy or complete validation. I believe the information being reported is incorrect and can not be fully verified as required under the Fair Credit Reporting Act. I am requesting a full reinvestigation of this account, including all underlying documentation used to report it. If the company can not provide complete and verifiable documentation confirming the accuracy of this account, I am requesting that it be corrected or removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I recently got a late notice, an email from NewRez stating that I failed to pay my bill on time,, I did pay my bill,, but they refused to process it stating I was XXXX cents short .. so NewRez harassed me with emails.. NewRez previously threatened me with purchasing an HOA insurance policy, because they couldnt locate the one I had .. they purchased my mortgage from Caliber mortgage company a couple of years back .. and they have been harassing me ever since!! I have excellent credit and I always pay my bills on time.. Please investigate them,, they are very corrupt!! Thank you, Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: UNITED MORTGAGE CORP
State: NY

Complaint narrative:
I am filing this complaint regarding an FHA case transfer and appraisal transfer issue involving my prior lender. I was under contract to purchase a home, and my FHA case number needed to be transferred to a new lender so the loan process could continue. The prior lender had already ordered two appraisals on the file, both of which I paid for. The appraisals were completed in connection with my FHA loan file. On or around XX/XX/2026, my new lender requested transfer of the FHA case file and related appraisal documentation from the prior lender. Since then, I have made multiple good-faith attempts to obtain the documents needed for the transfer. I have followed up directly and through the parties involved in the transaction. The new lender has advised that in order to use the transferred appraisals, the prior lender must provide the following for both appraisals : XXXXXXXX XXXX files XXXX. XXXX XXXX documentation XXXX. Invoices for both appraisals As of XX/XX/2026, the prior lender still had not provided the complete appraisal transfer package despite repeated follow-up efforts. This delay is affecting my ability to move forward with my mortgage loan and closing. Because this is a time-sensitive home purchase, the lack of response and failure to timely provide the appraisal transfer documents may cause financial harm, additional delay, and potentially require unnecessary duplicate appraisal costs. I have tried to resolve this directly and in good faith before filing this complaint. I am requesting that the company immediately provide the complete appraisal transfer package for both appraisals, including the XXXX files, XXXX XXXX documentation, and invoices, and fully cooperate with the FHA case transfer so my new lender can proceed without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Hanwha QCells USA Corp
State: HI

Complaint narrative:
I Signed up to have PV panels installed on my Condo with a company called XXXX XXXX. The Sales rep connected me to this lender : ENFIN/LAUNCH Account XXXX XXXX {$55000.00}. Then a week later the Sales rep told me to use a different lender. and said the first contract was CANCELLED> So I went with the other lender, which I am currently paying off now. the First lender Enfin still has be on the hook for the $ XXXX and I can not pay for the solar equipment twice!!. The Solar company XXXX has been stringing me along telling me that they have moved this issue to their finance dept. Now I just got a notice from XXXX that they are closing business due to " unforseen circumstances '' I feel like I have been swindled out of an additional {$55000.00}. I am currently trying to sell my home and this Enfin account is still on my credit report and is showing up as a lien on my property. This is shady business practice to try to scam folks out of additional money so they company can gain twice as much as they are owed for the system they claim to provide. ( I still do not have a contractor now that will turn on my system with the Electric company! ) I spent twice the money for a system I can not use!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have several loans right now that Im making payments on that I feel is too much.

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 2026-04-22 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Today, XX/XX/XXXX, at XXXXXXXX XXXX I received an " Urgent '' solicitation from XXXX XXXX claiming a balance of {$930.00}. However, my XXXX credit report shows the original creditor ( Upstart ) has already " Charged Off '' this amount and updated the balance to {$0.00} as of XX/XX/XXXX. There is a clear discrepancy between the two companies. One reports a charge-off while the other attempts to collect a full balance.have not been provided with a " Chain of Title '' or the original signed contract proving these companies have any legal right to report or collect on this account. Both companies are violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation