vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 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: AZ

Complaint narrative:
I am being subjected to unlawful debt collection by National Credit Systems ( NCS ) for a " Lease Termination Fee '' originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt is entirely invalid. I did not break my lease ; the lease was lawfully terminated by operation of state law on XX/XX/year>, pursuant to XXXX Revised Statutes XXXX ( Material Noncompliance Affecting Health and Safety ). 

The landlord failed to remedy severe, documented health and safety hazardsspecifically an active XXXX XXXX  infestation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  receiving formal statutory written notice delivered on XX/XX/year>. Because the landlord breached the warranty of habitability and failed to cure the breach within the statutory XXXX timeframe, the lease was legally voided. 

Under XXXX law, I am explicitly not liable for any early termination fees, penalties, or future rent. Attempting to collect a retaliatory and legally voided fee is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I have attached my legal XXXX Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My name is XXXX XXXX. On XX/XX/year>, I received a letter from BMO Bank N.A . informing me that they are terminating my banking relationship and closing all of my accounts by XX/XX/year>. The letter states the closure is due to " compliance and regulatory reasons '' but provides no specific explanation of what transaction or activity triggered the decision. I have not committed fraud, written bad checks, or engaged in any illegal activity. 
This is not the first time this has happened to me I have had multiple bank accounts closed by different institutions without any clear explanation. I believe I am being unfairly debanked. The repeated closures are causing me significant hardship, including difficulty receiving direct deposits, paying bills, and conducting basic financial transactions. 
I have not been able to get any answers from BMO about why my account is being closed. The letter simply says the decision was made after a " regular review '' and that it " exceeds the risk tolerance of the bank. '' I am seeking legal help to challenge this closure and address the pattern of debanking I have experienced across multiple banks. 
I am a resident of XXXX. The BMO account was opened in 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 explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizen 's Bank offers a {$400.00} promotion if a consumer opens both a checking and savings account and recieves XXXX direct deposit in the checking account and XXXX direct deposits in the savings account and has at least {$1000.00} in the savings account at the end of the third month. Despite doing everything, Citizens is not willing to honor the promo and pay the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
Optum Bank sent me an e-mail on XX/XX/XXXX to alert that tax information was available on-line. I could not access my account due to an error with my user ID and password. 

I attempted to log on XX/XX/XXXX and was denied again at this point I phoned Optum Bank and their service team was unable establish a user ID and password. The team member assured me the team would reach out to me within 3 days to resolve my issue. No one attempted to reach me. 

On XX/XX/XXXX I phoned Optum Bank to assist me with user ID and password issue. Once again, the issue was not resolved. 

So ere we are. Nine days later I have no tax forms, can not access my account and can not liquidate my account. I can not access my account number at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On or about XX/XX/year>, Citibank denied my identity theft claim regarding a checking account that I did not open or authorize. I previously submitted a police report, FTC identity theft affidavit, and a written explanation describing that this account was opened without my knowledge or consent. 

Citibank stated that the claim was denied because account statements were sent to my address and the information used to open the account matched information on file. However, this does not prove that I opened or authorized the account. 

I requested copies of the account opening documents, signature card, method of identity verification, IP address or location information ( if opened online ), copies of any checks written, and proof of delivery of statements. Citibank refused to provide this documentation and stated that I would need to submit a subpoena. 

I am requesting that Citibank provide documentation showing how the account was opened and verified, and conduct a reasonable reinvestigation consistent with identity theft protections under federal law.

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 2026-02-17 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
A XXXX  credit card account was opened in my name during a transaction where I was not clearly informed that I was applying for a high-interest revolving credit card. I believed I was signing standard transaction paperwork and was not made aware that a credit account would be opened. 

I did not knowingly request or consent to this credit card and was not properly informed of the terms, interest rate, or authorization for a revolving account. This account later appeared on my credit report and has caused significant damage to my credit and financial standing. 

I have disputed this account through the credit bureaus and requested documentation from the company, including the original signed credit application and proof of informed consent. I have not received sufficient proof showing that I knowingly applied for or authorized this credit card. 

I am requesting that the company provide the original signed application and clear evidence of authorization. If they can not provide proof of informed consent, I am requesting immediate removal of this account from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
b"Account name\nEXETER FINANCE LLC\n\nAccount type\nAuto Loan\nDate opened\nXX/XX/XXXX\nStatus\nAccount charged off. XXXX XXXX written off.\nStatus updated\nXX/XX/XXXX\nBalance\nXXXX\nBalance updated\nXX/XX/XXXX\nRecent payment\n-\nMonthly payment\n-\nOriginal balance\nXXXX\nHighest balance\n-\nTerms\n72 Months\nOn record until\nXX/XX/XXXX\nPayment history\nXXXX\nXXXX\nXXXX\nXXXX\nXXXX\nCO\nCO\n\nXXXX\nCO\nCO\n\nXXXX\n\nCO\n\nXXXX\n\nCO\n30\n\nXXXX\n\nCO\n60\n\nXXXX\n\nCO\n90\n\nXXXX\n\nCO\nR\n\nXXXX\n\nCO\nCO\n\nXXXX\n\nCO\nCO\n\nXXXX\n\nCO\nCO\n\nXXXX\n\nCO\nCO\nXXXX\n\nCO\nCO\nCurrent / Terms met\n30\nPast due 30 days\n60\nPast due 60 days\n90\nPast due 90 days\nR\nRepossession\nCO\nCharge off\nPayment history guide\n\nCharge Off as of XX/XX/XXXX toXX/XX/XXXX\n\n\n\n90 days past due as of XX/XX/XXXX\n\n60 days past due as of XX/XX/XXXX\n\n30 days past due as of XX/XX/XXXX\n\nThis account is scheduled to continue on record until XX/XX/XXXX.\n\nContact info\nPhone number\nNone provided\nAddress\nXXXX XXXX XXXX XXXX, TX XXXX\n\n\n\nNOTICE OF INTENT OF LITIGATE\nRE: FORMAL DISPUTE, DEMAND FOR VALIDATION,AND NOTICE OF INTENT TO PERSUE LEGAL ACTION \n\n\nThis correspondent serves as a formal notice that I dispute the validity of the alleged debt you claim i owe\n\nUnder the Fair Debt Collection Practice Act (15 U.S.C 1692 et seq.) and the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) You are hereby directed to immediately CEASE AND DESIST all collection activity and communication and immediately remove any negative or late payment that is associated with this account.\n\nYou are required to provide proof of:\n\n1. The original signed contract bearing my signature.\n2. A complete payment history and accounting lender.\n3. Proof of your legal standing and authority to collect.\n\n\nFailure to provide competent evidence and continue reporting of unverified information constitutes willful noncompliance.\n\nBe advised that each violation may subject you to statutory damages up to XXXX  per violation ,actual damages, Attorny's fees, and court costs.\n\nYou are further demanded to IMMEDIATELY  remove every late payment , derogatory remark, and negative reporting associated with this account from ALL consumer reporting agencies.\n\nIf this matter is not resolved within 30 days, i will file formal complaints with the:\n\nCONSUMER FINANCIAL PROTECTION BUREAU\nFEDERAL TRADE COMMISSION \nAND MY STATE ATTORNEY GENERAL, and peruse civil litigation without further notice.\n\nGovern yourself accordingly.\n\nsincerely, XXXX XXXX"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a 100 % P & T XXXX Veteran. I hold an XXXX XXXX Rewards Visa Card ( issued by Chase ). On [ Date ], XXXX unilaterally deleted my login credentials, which are required to access and manage this credit card account. 
Denial of Access : By deleting the XXXX account, the merchant effectively " bricked '' my access to manage my federal line of credit, view statements, or dispute transactions. This is a violation of the Truth in Lending Act ( Regulation Z ) regarding accessibility of account information. 
Financial Harm : I was actively paying off a balance on this card. Removing my ability to log in and manage payments without due process or notice constitutes an " Unfair, Deceptive, or Abusive Act or Practice '' ( UDAAP ). 
Security Negligence : Evidence shows this deletion was processed by an XXXX XXXX support team, despite my residence in XXXX. This indicates a security breach/identity theft that the financial institution ( Chase/Amazon ) failed to flag or investigate, instead choosing to sever the client relationship. 
State Failure : The XXXX  XXXX Attorney General closed my complaint ( # XXXX ) without resolution, citing " informal '' limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
On XX/XX/2026, I visited XXXX XXXX XXXX XXXX XXXX to explore vehicle financing. I explicitly authorized a credit check only with XXXX XXXX. 

Without my consent, the dealership submitted my credit application to multiple lenders. As a result, numerous hard inquiries appeared on my credit reports with XXXX, XXXX, and XXXX. 

Unauthorized inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate inquiries ) XXXX XXXX These companies did not have permissible purpose to access my credit file under the Fair Credit Reporting Act ( FCRA ), as I did not authorize my credit to be run with them. 

I am requesting : Removal of all unauthorized inquiries Confirmation that my credit will not be accessed without explicit consent in the future Investigation into the dealerships improper credit submission practices This situation has caused unnecessary harm to my credit profile and stress. I am seeking prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My mortgage was recently transferred from XXXX XXXX to Rocket Mortgage. I make my monthly mortgage payments from different accounts. However, Rocket Mortgage has not been applying these payments correctly and has instead been placing the funds into an unapplied funds account. 

Approximately one week ago, I spoke with a Rocket Mortgage representative and explained that I have only one mortgage loan. I clearly stated that any payments maderegardless of the originating account or payment amountshould be applied to my mortgage. 

After reviewing my account online, I noticed that a recent payment still has not been applied. I attempted to contact customer service again to review the issue with a representative. However, their phone system prevented me from reaching a live agent and repeatedly redirected me to an automated bot or online chat. 

I then used the chat system to request that a representative call me. Instead of facilitating contact, the chat directed me back to the same phone system, preventing me from speaking with a live representative. As a result, I was unable to have my account reviewed as requested. 

What should have taken five minutes to resolve instead took over 30 minutes and resulted in no assistance. This lack of proper payment application and inability to access customer support is unacceptable and should not be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/year>, Citi reduced my credit limit from {$11000.00} to {$800.00}, representing approximately a 93 % decrease, following a single payment that was less than 30 days late. I maintain an XXXX XXXX XXXX and have no prior late payment history on this account. 

A XXXX late payment does not reflect a pattern of elevated credit risk and does not reasonably justify a near-total reduction of available credit. The magnitude of this reduction appears disproportionate and inconsistent with prudent risk management standards, particularly given my otherwise excellent credit profile and responsible account history. 

After receiving an autogenerated adverse action letter containing only broad, generic language, I contacted Citi for clarification. I was advised that I would receive a callback from the Executive Response Unit within 14 days. That callback did not occur. 

Upon follow-up, XXXX XXXX provided one explanation for the reduction. However, when I further escalated the matter, XXXX stated he could not provide any additional information beyond what was in the letter and declined to offer specific details regarding the internal criteria used to support this decision. I was effectively denied meaningful clarification. 

Citi has failed to provide : A specific and individualized explanation for the adverse action The documented risk factors relied upon in reducing my limit by 93 % A clear disclosure sufficient to allow me to understand or respond to the decision Given the severity of the action and the lack of transparency, I am concerned that this adverse action may not meet the disclosure standards required under the Fair Credit Reporting Act and related federal consumer protection regulations governing adverse action notices. 

This reduction materially impacts my credit utilization ratio and may cause unwarranted damage to my credit profile despite my otherwise strong credit history. 

I am requesting that Citi : 1. Restore my prior credit limit of {$11000.00}, or 2. Provide a detailed and specific explanation identifying the precise risk factors relied upon in making this determination, along with confirmation that proper underwriting review procedures were followed. 

I made multiple good-faith attempts to resolve this matter directly with Citi and was met with inconsistent explanations and refusal to provide meaningful information.

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 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I requested validation of the alleged debt being reported by this collection agency. The collector has continued reporting this account without providing documentation proving I owe the debt, the amount owed, or proof of assignment from the original creditor. Under the Fair Debt Collection Practices Act, a collector must validate a debt upon request. Continued reporting without validation constitutes collection activity and inaccurate 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