vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing an account currently reported by Midland Credit Management , Inc . 
This account originated with a previous creditor prior to 2020, but Midland purchased or began reporting it in 2020. The Date of First Delinquency with the original creditor occurred more than seven years ago. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ), adverse information may not be reported beyond seven years from the original delinquency. Reporting this account as opened in 2020 appears to be improper re-aging, which is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 5 ). 
I do not recognize this debt and have not received proper validation. Continued reporting of this account is inaccurate and damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: NY

Complaint narrative:
I recently discovered that Credit Control LLC is reporting an account on my credit report that I do not recognize. I have no knowledge of this debt and do not recall entering into any agreement with this company or the original creditor they claim to represent. 
I was not properly notified of this alleged debt prior to it being reported on my credit file. This account is negatively impacting my credit, and I do not understand the origin of this obligation. 
I am formally disputing this debt and requesting full validation, including the name of the original creditor, a complete payment history, documentation bearing my signature, and proof that Credit Control LLC has legal authority to collect on this account. 
If they can not provide proper documentation, I am requesting immediate deletion of this account from my credit report pursuant to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a written validation request to Transunion regarding a collection reporting for XXXX XXXX XXXX and received no response. The company continues to report this account without providing a lease agreement, accounting ledger, proof of mitigation of damages, or proof of assignment. Reporting unverifiable rental debt violates 15 U.S.C. 1681e ( b ) and 1681i.

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 2026-02-18 00:00:00
Product: Mortgage — Conventional home 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Company : Rocket Mortgage , LLC Product : Mortgage Conventional Issue : Incorrect information provided/ Failure to provide required disclosures/ PMI cancellation mishandling -- - Rocket Mortgage failed to notify me that I qualified for Private Mortgage Insurance ( PMI ) removal after 24 months of ontime payments, and their failure directly caused financial harm and disqualified me from PMI removal for an additional 24 months. 

My loan originated in XX/XX/XXXX. I made 27 consecutive ontime payments through XX/XX/XXXX, which qualifies me for PMI removal under standard investor guidelines. Rocket Mortgages PMI representative stated that the company notifies all borrowers every XXXX when they become eligible for PMI cancellation. I was never notified. 

Because Rocket Mortgage withheld this information, I remained unaware that I had already met the requirements for PMI removal. 

-- - Misleading information when I asked for help In XX/XX/XXXX, I contacted Rocket Mortgage due to a temporary financial hardship. Instead of informing me that I was already eligible for PMI removalwhich would have lowered my monthly payment and helped me avoid hardshipthe representatives only offered : - Forbearance - Refinancing ( which would restart PMI ) - Other options that would not reduce my payment At no point did any representative mention PMI removal, even though I had already qualified. 

This omission is a material servicing error and deprived me of a costsaving option I was entitled to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Subject : Formal Rebuttal Case ID XXXX / Complaint XXXX To Whom It May Concern, This letter serves as a formal rebuttal to Robinhoods response regarding the remaining {$3800.00} in my account. 

The funds in question were part of my total account balance of {$14000.00} derived from stock and cryptocurrency positions. Robinhood previously released approximately {$10000.00} to my verified bank account via ACH withdrawal, confirming successful identity verification and compliance review. 

After I notified Robinhood that funds were missing, I was informed that if any internal error existed, the funds would be returned to my account. Subsequently, {$3800.00} was re-credited to my Robinhood account. I then received written confirmation via email stating that I could withdraw those funds. 

However, despite this written confirmation, my account remained restricted, preventing withdrawal. Robinhood now claims it is unable to verify the legitimacy of the same {$3800.00} that was previously re-credited and confirmed withdrawable in writing. 

Robinhood has not identified : Any fraudulent transaction Any chargeback Any ACH reversal Any defective securities trade Any compliance violation tied to a specific transaction If the funds were valid enough to : 1. Be re-credited after internal review, and 2. Be confirmed withdrawable in writing, then Robinhood must provide documented justification explaining why those same funds are now deemed unverifiable. 

Absent specific transaction-level evidence, continued withholding of these funds constitutes improper retention of customer brokerage assets. 

I am formally requesting immediate release of the {$3800.00} or detailed documentation identifying the precise legal and transactional basis for withholding these funds. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Upstart Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/year> at XXXX a female from Upstart called my phone and stated I was late on my loan payment. I stated i was aware but I can not log into the web page to pay. I stated I never receive the Password option. I type my email in and the page goes away. She stated we can reset the password. I said that wouldn't be the issue if the password option never appears. She stated she would send me an email link. I refreshed my email but the link hadn't came through yet. The female through she pressed mute on the phone and was talking saying this dummy talking about she tried to pay online and couldn't enter a password. She needs to stop lying. Then she went on to say not her XXXX XXXX XXXX XXXX  can't even open an email. She just XXXX. I said excuse me you should have probably hit mud before you tried to degrade me. She stayed silent. I kept saying hello then she said yes. I requested a supervisor she put me on hold and never came back. I called back 3 times everyone claimed no one picked up the Sup line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing an alleged {$720.00} debt reported by XXXX XXXX XXXX. I sent a formal debt validation request and received no response. No signed contract, account-level documentation, itemized statement, or proof of assignment has been provided. 

Despite failing to validate the debt, the company continues reporting this account to TransUnion.

This violates the Fair Debt Collection Practices Act 809, which requires validation upon request. 

I am requesting immediate deletion of this account and cessation of 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
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I sent a written validation request to National Credit Systems and received no response. The company continues to report this account without providing a lease agreement, accounting ledger, proof of mitigation of damages, or proof of assignment. Reporting unverifiable rental debt violates 15 U.S.C. 1681e ( b ) and 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX an automatic payment came in and my pan paid it but I did deposit money as soon as I noticed the charge come through. This was before the overdraft fee was applied and they still applied a {$30.00} overdraft fee anyway! I reached out this morning XX/XX/XXXX because when I woke up at XXXX XXXX  I seen the overdraft fee! They refused to remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, I alerted Bank of America of two fraudulent charges I detected on my account. Both were for XXXX 's XXXX. XXXX was {$380.00}, and the other was {$69.00}. I have been a Bank of America customer for 37 years. I do not have a XXXXXXXX XXXX XXXX  membership, and I have NEVER purchased at XXXX XXXX XXXX. I am disappointed that they did not flag this as suspicious. When I spoke with them on the phone, they said they'd start the investigation and send me a new card in 6-10 days. I said that was unacceptable. I have no access to my money. They said they could send a new debit card with XXXX, and I'd have it on Wednesday. Today I received an email saying they shipped it and that I'd have it in 2 days. They also allowed the charges to go through! I am furious with the way Bank of America has mishandled this entire situation, and I feel unsafe. Not only do I not have access to my money, but they've also let someone rob me of {$450.00}!

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 monetary relief
Consumer complaint received 2026-02-18 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.

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CT

Complaint narrative:
I filed multiple disputes upon noticing a plethora of fraudulent charges on my Cash App account. Some were still pending, so I had to wait until they finalized to submit disputes for those as well. A few days ago I needed to verify my identity. When I tried to, it said I was already verified. Under my account information, it did indeed say my account was verified. Today, im waking up now to claims being denied and my account being closed! I did not make these purchases and my account history shows Ive never shopped at the places that I have charges for before! Cash App states I violated XXXX, but can not provide me the provision that was violated. I ultimately got scammed by some person out there who spent thousands and my dollars, and now Cash App and scamming me as well. How is it ethical to close someones account and deny their disputes when they have been robbed? This is unacceptable and I need my funds back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MS

Complaint narrative:
" I am filing this complaint against XXXXXXXX XXXX XXXX ( issued by Synovus Bank ) regarding an unauthorized withdrawal of {$42.00} from my personal bank account on [ XX/XX/year> Prior to this charge, I had revoked authorization by removing my payment method and card information from the XXXX XXXX XXXX XXXX. Despite me removing the card to prevent further charges, the company still processed a {$42.00} debit. 
When I called customer service, the representatives claimed they had no record of the transaction and offered no explanation for how they accessed my account after I deleted my information. I have already contacted my bank to report this as an unauthorized ACH/debit. I am demanding a full refund and for XXXX XXXX to permanently delete my banking information from their records. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-18 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Ive been charged numerous times to an account Im not aware of. My account has been drastically impacted due to these unauthorized charges. Ive filed dispute after dispute and it seems to not be working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Based on new law/requirement signed by Federal Govt to lower interest rate to 10 % effective XX/XX/year>. I contacted Capital One and requested two things : ( 1 ) to lower my rate from 28 % to 10 %, as per Federal Govt mandate.

( 2 ) based on law suit against Capitol One, when would I get part of my settlement.

They told me I would receive a letter explaining the situation and process. To date no letter has been received, when I call them, I get transferred to a XXXX speaking customer service, you can't understand clearly what they are telling you. Most of the times they place you on hold and never come back. 

They are still charging me 28 % interest and refusing to lower the rate to 10 % as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: American Financial Network Inc.
State: MI

Complaint narrative:
American Financial Network recently did an escrow analysis and it is completely incorrect. They determined our new property tax amount is {$12000.00} ; when in reality it is less than {$5000.00} for the year. We are being charged an extra XXXX per month for no reason now raising our payment to almost {$3000.00}. 

I spoke to the township who determined the taxes raised only a miniscule amount and were less than {$5000.00} for the year. Not {$12000.00}. I asked AFN several times to please do a new analysis as it was so far off and I can not afford an extra XXXX for no reason. They stated they will not do a new analysis and I will receive the overage back at the end of the year. Completely unacceptable. 

I have made several calls to AFN who state " they will call back '', but never do.

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 2026-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co
State: MT

Complaint narrative:
I am submitting this complaint regarding a private student loan issued by Ascent Funding to finance my enrollment in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX advertised a Tuition Refund Guarantee ( TRG ), stating that graduates who did not obtain qualifying employment and met certain job search requirements could receive a refund of tuition. 
I relied on these representations when deciding to finance the program through a private student loan. 
I graduated on XX/XX/year>, and complied with the job search and documentation requirements to the best of my ability. XXXX instructed graduates in writing to submit refund documentation at 365 days post-graduation, which I relied upon. 
After I submitted my documentation, XXXX initially acknowledged receipt and stated they would begin reviewing it. However, they later reversed course and claimed my request had already been denied months earlier due to timing. XXXX admitted in writing that I was never notified of that denial. 
As a result, I was denied the advertised refund and remain responsible for a large private student loan balance that I would not have incurred had XXXX honored its Tuition Refund Guarantee or clearly disclosed its requirements. 
Additionally, XXXX educational quality and career support did not match what was represented at enrollment. Career support was minimal, and course materials were frequently outdated or unclear. I did not obtain employment in the field and relied on the Tuition Refund Guarantee as advertised. 
Because this loan was issued specifically to finance XXXX program, and the refund guarantee was a key factor in my decision to borrow, I believe this situation involves unfair and potentially deceptive practices that have caused substantial financial harm. 
I am requesting that the CFPB review this matter and assist in ensuring fair resolution of this loan obligation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent a written validation request to Experian regarding a collection reporting for XXXX XXXX XXXX and received no response. The company continues to report this account without providing a lease agreement, accounting ledger, proof of mitigation of damages, or proof of assignment. Reporting unverifiable rental debt violates 15 U.S.C. 1681e ( b ) and 1681i.

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