vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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: AL

Complaint narrative:
I am disputing inaccurate information reporting on my Experian credit report. I have not authorized many of the listed inquiries, and I demand compliance with the FCRA. 

1. Charged-Off Account Disputed Account : XXXX Account # XXXX Reported XX/XX/XXXX {$3900.00} I dispute this account in its entirety. I request : Full account validation Original lease agreement bearing my signature Complete payment history Date of first delinquency Proof Experian verified this debt with the original creditor Documentation showing legal authority to collect If this documentation can not be produced, the account must be deleted under FCRA 611.

2. Unauthorized / Unverified Inquiries The following inquiries were not authorized by me and must be verified with proof of permissible purpose : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am in the process of selling my XXXX in XXXX XXXX, XXXX, and my attorney has been communicating with the bank regarding the Stock and Lease, which is required for the property transfer or the Affidavit of lossed, since the lender Newrez, has apparently lossed the stock and less. Newrez, was made aware of this closing and the need for the Stock and Lease as far back as XX/XX/year> ( maybe even in XXXX -- I don't have the exact date of the first notification, since this was done by my attorney ), they went so far as to submit their package for closing to the buyer 's attorney, and did not include the stock and Lease. When they were asked about the missing stock and lease, the admitted that it was lossed, but refused to allow my attorney to file the affidavit of loss. Since they failed to produce the document ( which my XXXX XXXX management attorney has said they can prepare for a fee of {$500.00} ), they have been asked about the affidavit of loss. Additionally, this delay resulted in the buyer 's rate lock expiring and the closing which was scheduled to take place on or about XX/XX/year> not being able to move forward. Although Newrez have been advised of the hardships their actions is causing me and my buyer ( I am paying mortgage interest and maintenance, as well as dwell in temporary housing, since I had to prepare my home to be sold ). Their inaction without even them offering the courtesy of a timeline, of when we can expect this to be resolved, has placed not only financial hardships on me and my buyer, but has also affected my health due to the undue stress that I have be under. My attorney XXXX XXXX XXXX XXXX at XXXX ) stated that this complaint may not yield much or any results, however, I am hoping that he is wrong, and the CFPB, has my back and will help me in resolving this issue

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 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This was already disputed and taken off all my credit reports almost two years ago. This new Debt collection company that is trying to collect the debt, is reporting inaccurate dates and information from original debt, which was originally inaccurate and fraudulent and was removed from my credit reports. Below is the information of the Debt collector reporting this false and inaccurate information. 

ABILITY RECOVERY SERVICES Address : XXXX XXXX XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX Reporting Date Opened : XX/XX/year> Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Past Due {$820.00} This collection is so obviously inaccurate from this collections company. Ability Recovery Services even tried to report another inaccurate medical debt, and had the same Dates on both collections and reporting same inaccurate information on two separate collections from two separate companies. That would be probably XXXX in XXXX XXXX+ of a chance. Either way this information and debt is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
This correspondence is formal notification that I am a victim of identity theft. Information currently contained in my file with XXXX XXXX XXXX was not authorized by me.

Enclosed is my proof of identity.

Under 15 U.S.C. 1681c-2, you are required to immediately block and permanently remove all information resulting from identity theft upon receipt of proper documentation.

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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
This correspondence is formal notification that I am a victim of identity theft. Information currently contained in my file with Early Warning Services was not authorized by me. 

Enclosed is my proof of identity. 

Under 15 U.S.C. 1681c-2, you are required to immediately block and permanently remove all information resulting from identity theft upon receipt of proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year> I made 3 charges along with others in order to book a flight from XXXX XXXX to XXXX XXXX- with a stop in XXXX. After XX/XX/year> I disputed 3 charges in the amount of {$630.00} each one for a total amount of {$1800.00} for XXXX purchases. My father became sick with XXXX and was hospitalized for a few days in the emergency and admitted to the hospital. He then was released from the hospital and admitted back to the hospital for over a week with extreme XXXX. Therefore my father, mother and myself were unable to board the plane because he was hospitalized. XXXX submitted the no show tickets to Citi and Citi closed/resolved the matter without taking into account or requesting the Hospital records stating that my father had an emergency and it was the reason we were not able to get on the flights. After XX/XX/year> Citi said the matter was resolved and closed my dispute, without requesting additional information or evidence from me.

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 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Under short sale since XXXX, broker uploaded offer and all paperwork required, XXXX done XXXX and full appraisal done XXXX per request by XXXX XXXXROCKET MORTGAGE on phone with bank as of now at XXXX XXXX  and rep said asking supervisor why sale date all information requested thru equator was done so not sure why sale date!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
XXXX i am surprised that I owned a medical collection from Aargon Agency located in XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX and it was opened in XX/XX/year>, and I have a balance in the amount of $ XXXXI tried calling the company, but couldn't reach them.

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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint Narrative I am filing this complaint regarding overdraft fees, inconsistent overdraft controls, lack of proper policy disclosure, and inadequate resolution of my dispute. 

On XX/XX/XXXX, I received a written denial from Chases Executive Office ( Case # XXXX ) refusing to refund additional overdraft fees, stating that I previously received {$470.00} in fee waivers in late XXXX. 

However, their response fails to address the core issues : 1. Inconsistent Overdraft Controls More than six months ago, I explicitly requested that Chase block my account from overdrafting to prevent further fees. At that time, I was told this was not possible. 

Recently, after I disputed the overdraft charges and stated I could not pay them, Chase suddenly placed a restriction on my account preventing overdrafts. 

This demonstrates that : The bank had the ability to restrict overdrafts. 
They declined to implement it when I proactively requested it. 
They implemented it only after fees accumulated and I refused payment. 

This raises concerns about inconsistent internal policies and whether overdraft protections are selectively applied. 

2. Policy Change Without Clear Notice Chase did not clearly disclose changes to its overdraft processing policies that materially impacted how fees were triggered. I relied on prior policy understanding when managing my account. The Executive Office did not provide documentation showing when I was notified of any changes. 

3. Conflicting Information From Representatives I received inconsistent explanations about how overdrafts are processed and when fees are assessed. This directly contributed to the charges in dispute.

4. Third-Party Transaction Explanation Does Not Resolve Fee Issue Chase stated recurring XXXX transactions were initiated by a third party and directed me to XXXX. However, overdraft fees are assessed by Chase. The bank controls whether to honor transactions into overdraft and whether to apply fees. 

5. ADA Communication Concerns Chase acknowledged adding an ADA accommodation to my account requesting written communication and scheduled calls. However, they stated they can not guarantee calls will stop. This undermines the effectiveness of the accommodation.

Additionally, I previously requested that Chase place a restriction on my account to prevent overdrafting due to disability-related executive functioning impairments. At that time, I was informed this was not possible. However, after I disputed the recent overdraft fees, Chase placed a restriction preventing overdrafts. This indicates the control was available. I am requesting clarification as to why this preventative measure was denied when originally requested and later implemented only after fees accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding a permanent restriction placed on my ability to use XXXX. 

On XX/XX/year>, I received 3 multiple XXXX payments from individuals I did not recognize. I immediately contacted Bank of America to report the transactions and stated clearly that I did not recognize the senders and did not intend to use the funds. 

The bank opened a case, returned the funds, and later confirmed the case was closed. 

However, when I filed a complaint and notified the bank of what was happening, my access to XXXX was permanently restricted. 

I have contacted : Bank of America multiple times more than 15 times XXXX customer support directly Bank of America states that the restriction is from XXXX directly. 
XXXX states that participating banks control access decisions. 

As a result, I am unable to obtain a clear explanation of : 1. Whether the restriction is at the Bank of America level or at the XXXX network level. 
2. Whether this restriction applies to my phone number, email, or personal profile.

3. Whether there is a formal review or appeal process available.

4. The specific reason for the permanent restriction.

I acted in good faith by proactively reporting the transactions and cooperating fully. I did not use the funds and requested they be returned. 

I am requesting : A formal written explanation of the specific reason for the XXXX restriction. 
Clarification on whether the restriction is network-wide. 
Information on whether the restriction can be reviewed, appealed, or lifted. 
Confirmation of whether this impacts my broader banking profile. 

I respectfully request transparency and a formal review of this restriction.

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 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several hard inquiries that appear on my credit report. I did not authorize or apply for credit with the following lenders, and I am requesting that these inquiries be investigated and removed immediately. 

The unauthorized inquiries are as follows : XXXX XXXX  ( Finance ) XX/XX/year> XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> I did not provide authorization for these companies to access my credit file. These inquiries are inaccurate and may be the result of identity theft or unauthorized use of my personal information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into these inquiries and their prompt removal from my credit report. Please provide written confirmation once the investigation has been completed and the unauthorized inquiries have been deleted.

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 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have been attempting to call the credit card company for about a week to close my account, but all I get is two beeps and I have looked up several numbers used AI to find numbers use AI to find an information on whats going on and I have found that nobody is able to get through to the company theres a card that I want to close. They charge {$19.00} a month fee and I dont want to be continually charged because I cant get in touch with the company at any of the customer service phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: NC

Complaint narrative:
This company is discriminating. They have my account listing me ( some how/ how ever they did it in their words ) as difficult to deal with. Everyone has an attitude when I call with questions, over talk me and hang up on me. 
What happened XXXX I called about a late fee being taken out, days before when I called to add money to my account this person DIDNT mention the late fee. So I find out the late fee is from a year ago ( doesnt make sense ) But checking my bank statements, I have found out that XX/XX/XXXX I made double payments. XX/XX/XXXX I made double payments. XX/XX/XXXX I made double payments. XX/XX/XXXX I made double payments This means they are NOT placing my money where it needs to be. 
XXXX XXXX ive had to ask them to stop harassing me. Ive called to let them know I was having financial issues. Ive called to let them know I had to make my payments toward the end of the month, according to my paycheck. I do the right thing. When you treat me like Im less than a human being you should expect a change in my tone I cant even pull up my payment history on their website. WHY? 
And now I dont want to call these XXXX people cause they are only going to hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MORTGAGE SOLUTIONS OF COLORADO
State: AL

Complaint narrative:
On XX/XX/XXXX, I formally requested a reinstatement quote from XXXX XXXX XXXX XXXX, XXXX ( representing MSF XXXX  ) through XX/XX/XXXXXXXX  to allow for prompt payment. The firm ignored this for 9 days, finally providing a quote on Friday evening, XX/XX/XXXX, that expired on XX/XX/XXXX. Because XX/XX/XXXX was a federal holiday, this gave me only 2 business days to deliver funds to Georgia. I filed a Notice of Error on XX/XX/XXXX. In response, on XX/XX/XXXX, the firm sent the exact same quote which had already expired on XX/XX/XXXX. By repeatedly providing expired or artificially short-dated figures and refusing to disclose the foreclosure sale date, the firm is violating Regulation X ( 12 CFR 1024.35 ) and intentionally obstructing my contractual right to reinstate my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Good evening, Late XXXX, XXXX XXXX was purchased by Rocket Mortgage after which the problems began. I made my XXXX payment on XX/XX/XXXX, the company reported the payment returned XX/XX/XXXX. On XX/XX/XXXX, I made my XXXX payment and my XXXX payment on XX/XX/XXXX, neither payment indicates that it has been removed from my account. 

I have also made a {$2000.00} payment, that company assigned to escrow when I requested it been assigned to the principal. 

I have called 5 times between XX/XX/XXXX and XX/XX/XXXX, there are only AI generated attendants that take you in circles. In addition, the same occurs through the Rocket Mortgage app that the phone attendant refers to callers. 

I am sad to see XXXX XXXX go. They had good communication and customer service. I have a great mortgage and good credit score. I can not sit and watch them be jeopardized.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
This is a follow-up to closed Case # XXXX. Cash App previously claimed they could not identify my account. This is false ; I have been in direct email contact with three Cash App XXXX, XXXX, and XXXX this issue. 
> The Issue : I am being denied 'Green Status ' benefits despite receiving recurring institutional deposits > The Facts : > 1. My deposits originate from XXXX XXXX, a student-specific bank, and represent recurring Financial Aid disbursements from XXXX XXXX XXXX XXXX XXXX XXXX 
> 2. Cash App is misclassifying these as ineligible 'refunds ' based on the ACH label XXXX REFUND. ' But XXXX XXXX  a direct deposit from XXXX  REFUND REFUND WAS INDEED QUALIFIED FOR THE GREEN STATUS. As for the rest of my direct deposits that say from XXXX XXXX ARE NOT ELIGIBLE DOESNT MAKE A LICK OF SENCE TO ME that they claim that REFUNDS DO NOT QUALIFY BUT THATS THEY ONLY ONE THAT WAS QUALIFIED the XXXX XXXX don't even use the word " refund '' makes it impossible for them to use their standard excuse. These are not store returns ; they are my primary income and institutional benefits. 
> 3.As I stated above Cash App has previously accepted these exact deposits for benefits XXXX XXXX from XXXX  REFUND REFUND. 
> 4. By refusing to recognize Financial Aid as a qualifying deposit, Cash App is discriminating against students.

Company response to consumer: Closed with explanation