vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2026 : When we logged into our app, we discovered that our credit account had been closed. We received no email, letter, or any form of notification beforehand. 
I contacted the company and was transferred between XXXX different representatives. 

- The first two representatives stated that they could not tell me why the account was closed and that I would receive a letter in the mail. 
- The third representative said they could send the letter by email instead, but I never received it. 
- The fourth representative, identified as a XXXXXXXX XXXX XXXXXXXX, informed me that the account was closed due to returned payments within the past XXXX years. At no point were we ever notified that this could result in account closure, nor were any warnings provided. 

XXXX days earlier, we had called to ask why our available credit had not updated even though our payment had already posted. The representative we spoke with was dismissive, and we ultimately canceled that payment. We intended to submit a new payment, but shortly after, we found our account had been closed. 
Based on the sequence of events, I believe the account was closed in retaliation for reversing the payment due to the poor customer service we received.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After attempting to open a back account, I was denied due to negative information being reported on my XXXX XXXX Report. This report showed fraudulently opened bank accounts and inquiries not requested by myself. 

These accounts include : Wells Fargo ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Wells Fargo XXXX XXXX ( XX/XX/XXXX ) Wells Fargo ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NC

Complaint narrative:
I had XXXX US Bank XXXX XXXX XXXX XXXX, and a Business Checking with US Bank. 

I spent a few XXXX dollars on legitimate business purchases at XXXX XXXX, and my accounts were all closed, and my money is being held by US Bank. I called repeatedly to explain. The first time, I was given incorrect information about why my account was closed, and the second time, they said there was nothing they could do. The stated reason was that they suspected my account was used in or was likely to be used in fraud. 

I feel like this is unfair, given their cards earns rewards on grocery purchases. It is unfair to say then after the fact that using the card that way is tantamount to fraud. I can provide receipts and account for my purchases, and I can verify that my card was being used as I intended it.

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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio is attempting to collect a debt that has been charged off by the orginall creditor and I am no longer legal oblogated to pay this debt. I also have been part of the massive data brech of XXXX and I belive that is is illegal for a third party to collect on a debt that has allready been closed and I didnt receive a 1099 for said action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I began receiving text messages from First Point collection. Since XX/XX/year> saying I owe money for car insurance which doesnt make since because if you dont pay for car insurance you dont get car insurance it just candles I have car insurance with state farm I told XXXX XXXX XXXX XXXX was canceling because they were taking advantage of me and over charging. Put me on hold stopped answering calls. They say I owe {$180.00} when my car insurance was {$300.00} a month so that doesnt make sense either. Never got a letter in the mail or anything just texts every few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is 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 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 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
On XX/XX/XXXX I made a call to Resurgent Collection agency at XXXX. I was told that the account was currently in a legal status with an attorney, attempted to advise the agent a previous attorney firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX had filed case # XXXX in the Circuit Court XXXX XXXX XXXX XXXX on XX/XX/XXXX and the judge XXXX XXXX XXXX had dismissed the case without prejudice on XX/XX/XXXX. I was advised that being dismissed without prejudice would mean that Resurgent the servicing collection agency for LVNV LLC. who purchased the debt from XXXX did not have the ability collect on the purchased debt ( was never notified by LVNV that the debt had been purchased and no permission had been granted ) only the original creditor had that ability. LVNV LLC. is reporting this item on my credit report as 180 day past due with a balance of {$590.00} with an open date of XX/XX/XXXX ( which is incorrect and disputed ). The agent at Resurgent refused to address the issue and threated legal action with lawsuit. I am requesting that all collection activity cease and desist and have the negative reporting removed from all Credit Reporting Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
My mortgage loan was transferred from XXXX to AmeriHome. Both my residence and a land parcel are escrowed, and taxes for both parcels were supposed to be paid from escrow. I contacted XXXX, the previous servicer, and an agent acknowledged that the taxes were not paid. XXXX initially initiated a payment request but canceled it because the loan was being transferred to AmeriHome. I have tried calling AmeriHome for over an hour to resolve this, but have not been able to reach an agent. XXXX XXXX issued a FINAL NOTICE for both parcels. I have not paid anything myself. The total amounts due are {$1200.00} for the house and {$160.00} for the land. I am requesting AmeriHome pay the full tax amounts, including all penalties, interest, and fees, and confirm in writing that the homeowner is not responsible for these amounts. This is a servicer error, and I should not be held liable for any of the unpaid taxes or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
CAINE XXXX WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE XXXX  WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX someone hacked my account and reversed charges on the XXXX they let XXXX hit my bank acc for XXXX plus XXXX for rep which they said they did not I only had XXXX in the bank so that took my credit card payment and my loan payment so now it went to non payment my credit was at XXXX started from XXXX was trying to build my credit so that we were XXXX XXXX XXXX XXXX then in XXXX they took XXXX out of my XXXX for what they never did tell me so then I had to cancel my truck insurance now they have froze my account cause someone put bad checks in my XXXX which I did not due or did I know about it so now it is neg and my credit score is XXXX and now I have XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
XXXX incorrectly charged me for equipment that was returned. I have proof of return, including tracking documentation. Despite this, XXXX reported the account as unpaid and sent it to a third-party debt collection agency. 

As a result of this error, a false collection account was reported to the credit bureaus, causing my credit score to drop by approximately XXXX points. 

This debt is invalid. I have disputed the account with XXXX, the collection agency, and the credit bureaus. I am requesting that XXXX immediately recall the account from collections and correct all inaccurate credit reporting. 

I am seeking full removal of the collection account and correction of my credit report. 
Please see attached return proof. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MI

Complaint narrative:
XX/XX/year> need to pay XXXX but I could get in XXXX I forgot about card will never work at the stores so they cancel it XXXX never refunded my money or send me a letter I put XXXX to get this card activated so know they said account is loss and so is the money try to talk and figured but no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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: Untimely response
Consumer complaint received 2026-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: PA

Complaint narrative:
I opened a cfpb complaint and National Debt Relief lied to you inorder to get the complaint closed. As of XX/XX/year>, they have made no attempts to resolve the problem and they did not resolve any of my debts. In fact, they did the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: IN

Complaint narrative:
I contacted Zwicker and Associates and settled XXXX debts accounts for a total settlement amount of {$5500.00}. This settlement was confirmed under Confirmation # XXXX, and the payment posted to our joint bank account on XX/XX/year>. 

The settlement was made with the understanding that it would resolve XXXX accounts ( File ID XXXX ) and ( File ID XXXX ) After making this settlement payment, I was informed that these accounts should have been closed and satisfied. However, the settlement funds were not applied correctly, and accounts continued to show balances. 

Despite the settlement, they also continued to withdraw additional payments from our joint bank account toward. Specifically, XXXX separate withdrawals of {$250.00} each were taken on XX/XX/year>, even though the accounts had already been settled. 

I disputed those withdrawals with my bank and have only received XXXX of the disputed payments back to date. 

I also received a letter dated XX/XX/year> stating that a payment in the amount of {$250.00} was returned by my bank. This further confirms that your office continued to process and withdraw payments after the settlement, despite the accounts having been resolved. 

As of XX/XX/year>, both accounts are still being reported as open and unpaid on his credit report, despite having been settled. These inaccurate reports are causing ongoing harm and should be corrected immediately to reflect a XXXX balance and closed status. 

The continued withdrawals after settlement caused undue financial hardship, as funds were taken from our account despite the matter having already been resolved. 

These accounts still do not reflect that they have been properly closed and settled. 

The misapplication of settlement funds and continued withdrawals after settlement constitute improper handling of consumer payments. Please ensure that all records are corrected and that no further inaccurate reporting or collection activity occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Subject/XXXX : Urgent follow-up Immediate deletion requested ( Complaint # XXXX ) Hello, Im following up on complaint # XXXX. On XX/XX/year>, XXXX XXXX XXXX responded that they closed the account, are no longer pursuing recovery, and would request removal of any credit bureau listing related to this account. 

Despite that response, the collection is still appearing on my credit report ( including TransUnion ) under XXXX XXXX XXXX XXXX XXXX, associated with XXXX XXXX XXXX, and it continues to show a balance. 

I am requesting that this tradeline be deleted immediately from all credit bureaus, since the company has already confirmed the account is closed and they are not pursuing the debt. Please help ensure the company completes the deletion promptly, not just marked as disputed, and that this negative item is fully removed. 

Im attaching the companys written response and screenshots of the active credit reporting entry.

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 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Media Collections, Inc
State: NJ

Complaint narrative:
Was contacted by a firm XXXX XXXX XXXX XXXX XXXX allegedly on the behalf of XXXX XXXX XXXX for a debt amount of {$160.00}. After researching this firm and their attempts to collect other debts, they appear to be fraudulent and are not accredited by the XXXX. The other thing that makes this claim of a debt collection is they failed to use my legal name which would be attached to any legal contract or account that would have been open. They sent trying to collect against a XXXX XXXX instead of my legal name of XXXX XXXX, no such account could exist given all my legal identification and applications for credits or purchases would have needed to be made by XXXX XXXX. I will not be replying to this alleged debt collector, in fear of engaging with them would allow them to acquire my actual information for what ever scam they appear to be running.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
On a refinance, Fay Servicing will not return my XXXX dollar escrow account. 
A week ago fay Servicing sent me a check for XXXX dollars. I wanted to email Fay Servicing for a escrow analysis, I could not find a email address any where online. 
XX/XX/2026 XXXX I called Fay Servicing . They said, since I no longer have a account with them they are under no obligation to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: WA

Complaint narrative:
I kept having issues with trying to get in contact with them. They don't answer their calls. Actually, they don't have a phone number to call. They email you but they don't even email you. It's the same thing all the time. So it was like a robot emailing like an AI. Just doing it, it's not a human. And I got tired of it, so I asked them to cancel my account and give me a refund.And then they disappeared, they're not answering me back.They 're not talking to me.They just went ghost

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NV

Complaint narrative:
I paid {$2000.00} from my Cash App balance on XX/XX/year> for a XXXX-night hotel stay in the XXXX XXXX XXXX 

Upon arrival, the room had severe flooding and bed bugs. I reported the issues to the front desk but the conditions were unsafe and unsanitary, forcing my family to leave after XXXX night. 

I only received XXXX usable night out of XXXX paid nights. 

I disputed the charge with Cash App and the claim has been open for over XXXX days. Cash App states they can not contact the merchant and has not provided a final written determination. 

I am requesting a refund for the unused nights and completion of the investigation.

Company response to consumer: Closed with explanation