vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2026, I spoke to a capital one associate about a late payment that was posted. The associate was unable to assist me so I was transferred to the senior account supervisor name XXXX with employee ID : XXXX. With reason, I asked the supervisor to remove/waive or reverse the past due fee. The supervisor told me that because 1. a previous past due fee was removed 2. capital one tracks the amount of times an individual signs into their account, and are able to track the account activity That she will not remove/waive or reverse the fee. Not only are the past due fees inconsistent ( 1st : {$29.00} ), 2nd : ( {$40.00} ) but Under 15 U.S.C. 1637 ( b ) ( 12 ), a creditor may only impose a late or past-due fee on an open-ended credit card account after the payment due date has passed and the payment has not been received by the required time. 

In this case, the payment due date was XX/XX/2026, with the payment deadline being midnight on that date. The past-due fee was posted on XX/XX/2026, which is the same day the payment was due, and before the due date had fully expired. 

Because I still had the entire day of XX/XX/2026, to make a timely payment, the account was not yet delinquent at the time the fee was assessed. Posting a past-due fee before the due date has passed is inconsistent with 1637 ( b ) ( 12 ), which requires that a payment first be late before a late fee can be charged. 

Therefore, the past-due fee should not be applicable or valid under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am submitting a complaint regarding my mortgage servicer, LoanCare, related to an escrow analysis and payment increase. 

I reviewed my XXXX XXXX Property Appraiser record and XXXX  Notice for my property located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
Loan number : XXXX My monthly mortgage payment was increased from {$2500.00} to {$2900.00} due to an alleged escrow shortage. I received a payment change notice but did not receive a full Escrow Analysis Statement with a detailed breakdown of the shortage, escrow cushion, or projected balances. 

Based on my review, LoanCare appears to have used estimated or inflated property tax and insurance figures rather than actual amounts. My current annual property taxes are approximately {$4900.00}, and my total annual insurance premiums are {$1500.00}. 

After reviewing the statement in detail, it is clear that the escrow shortage was not caused by underpayment on my part, but rather by the timing and structure of escrow disbursements following the servicing transfer. 

These facts indicate that the escrow shortage resulted from servicing transfer timing and escrow funding mechanics, not from borrower noncompliance or missed payments. 

Nevertheless, the full shortage has now been amortized over 12 months, resulting in a monthly increase of {$470.00}, whichcombined with a higher forward-looking escrow paymentraised my total mortgage payment from {$2500.00} to {$2900.00}. 

This increase creates a significant financial hardship and does not fairly account for the cause of the shortage. 

I have submitted a formal escrow dispute and requested a reanalysis using accurate figures. I am requesting CFPB assistance to ensure : compliance with RESPA escrow disclosure requirements ; a corrected escrow analysis based on actual amounts ; adjustment of my monthly payment if errors are identified. 

I am requesting fair resolution and written clarification. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing the accuracy and validity of the alleged debt being reported and collected by Resurgent Capital Services on behalf of LVNV Funding LLC. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I requested validation of this alleged debt, including documentation demonstrating that LVNV Funding LLC has the legal authority to collect, such as a copy of the assignment, purchase, or transfer agreement showing that this specific account was lawfully assigned to LVNV Funding LLC. To date, this documentation has not been provided. Without proof of assignment and verification of the alleged debt, the continued collection and reporting of this account is improper

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: IL

Complaint narrative:
On or around XX/XX/2025, I mailed formal debt validation requests to the collection agencies and to the credit bureaus regarding these accounts. I requested documentation proving that I owe the alleged debts, including a copy of a signed contract or agreement, a full account history, and proof that the collection agencies have the legal right to collect the debt. 

To date, no company has provided any verification or documentation as required under the Fair Credit Reporting Act ( FCRA ). Despite this, the accounts remain on my credit report and, in some cases, were reinserted after being removed, without proper notice or validation. 

The companies continue to report these accounts as accurate without providing evidence, which is causing ongoing financial harm, including denial of housing and transportation. XXXXXXXX XXXX was removed from XXXX  and remains on the other two bureaus and that needs to be removed as well. 

I am requesting that the credit bureaus delete these collection accounts immediately due to failure to verify and continued reporting of unsubstantiated information, in violation of the FCRA

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC regarding an alleged debt they claim to own originating with XXXX XXXX XXXX. 

I timely sent a written debt validation request via certified mail to the address listed by Jefferson Capital. USPS tracking confirms the correspondence was returned to me as undeliverable due to an expired or invalid forwarding address. As a result, Jefferson Capital failed to receive or respond to my request and failed to provide any validation of the alleged debt. 

Despite failing to maintain a valid address for consumer disputes, Jefferson Capital has continued collection activity and communications. This prevents me from exercising my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Additionally, Jefferson Capital has previously responded to a CFPB complaint stating that they terminated collection efforts and would request deletion of their tradeline if reported. However, they have continued communications regarding this alleged debt without providing validation. 

Due to the failure to provide proper validation, failure to maintain a valid dispute address, and continued collection activity, this alleged debt remains unverifiable. Reporting or attempting to report this account would violate the Fair Credit Reporting Act, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank/ USA Target Credit reporting 2 accounts on my credit reports as charge-offs. They haven't sent me a 1099-C in proof of the charge-off accounts. Which yet haven't showed proof of charge-off. If so, by law they suppose to send me a 1099-C. For months they have been reporting inaccuratecy on my credit reports. By law it's illegal reporting a charge-off account on a consumer report. A charge-off is a written off debt that's written through the IRS, and then void and can't be collected or reported as owed debt. I demand TD Bank/ USA Target Credit to delete both accounts completely off all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a formal complaint regarding a {$1500.00} charge for XXXX XXXX XXXX Final tickets purchased through XXXX XXXX using my Synchrony Bank credit card. 

Although I traveled to the venue and had valid tickets, I was unable to enter the stadium due to severe crowd control and access failures. This was not caused by any action on my part. The service I paid for entry to the event was not provided. 

Synchrony Bank denied my dispute even though the service was not rendered. I am requesting that the charge be reversed and that I receive a full refund. 

Order # : XXXX Purchase date : XX/XX/year> Event date : XX/XX/year> Amount : {$1500.00}

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 explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Central Research Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding a significant and unfair drop in my credit score caused by missed student loan payments that resulted from an undisclosed loan servicer transfer and incorrect personal information on file. 

In XX/XX/year>, I discovered that my student loans had been transferred to a new loan servicer, Central Research INC, a company with which I was previously unfamiliar. I was never notified of this transfer. After further investigation, I learned that Central Research INC had an incorrect personal mailing address on file for me, which prevented me from receiving any billing statements, notices, or payment reminders. 

As a result of this lack of notice, several payments were reported as missed, causing my credit score to drop by approximately XXXX points on XX/XX/year>. This is the first time I have ever experienced a negative credit event. I have a long-standing history of making all payments on time and in full, including credit cards and other obligations, and I have never previously had issues with my credit. 

Once I became aware of the situation, I immediately updated my address with Central Research INC and paid the full outstanding balance of approximately {$1300.00}. My account is now completely paid, current, and in good standing. 

I contacted Central Research INC and requested that they notify the credit reporting agencies, including XXXX to correct or remove the negative reporting given that the missed payments were the direct result of their failure to notify me of the servicer change and their maintenance of incorrect contact information. Unfortunately, they stated they could not guarantee that they would contact the credit bureaus on my behalf. 

Given these circumstances, I am formally disputing the negative credit reporting and requesting that the missed payments be removed or corrected. The reporting does not accurately reflect my payment behavior or creditworthiness and resulted from administrative errors and lack of notice outside of my control. 

I respectfully request a review of this matter and appropriate corrective action to restore my credit report to accurately reflect my responsible payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
b'I purchased a vehicle in XXXX  got till my last payment company was gone over night took my money and was never able to get my title the dmv says the vehicle was sold to someone else.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA
State: NJ

Complaint narrative:
THESE PEOPLE CLAIMING I OWE MONEY FOR ALL THESE LOANS. I NEVER REMEMBER DOING BUSINESS WITH MOHELA. I HAVE NEVER DID BUSINESS WITH MOHELA. I WOULD LIKE PROOF OF MY WET SIGNATURE STATING I DID BUSINESS WITH THIS COMPANY. I WOULD LIKE TO ADD I AM A LIVING BREATHING WOMAN. I WOULD LIKE FOR MOHELA TO CONTACT ME NOT HIS/HER REPRESENTATIVE. I WANT TO SEE THE CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
On XX/XX/year>, I paid off my first loan with TitleMax in full. After paying it off, I asked why my credit score had not increased. I was told by TitleMax that because I paid the loan in full rather than in smaller increments, my credit score did not improve. Based on this information, I took out a second loan on XX/XX/year>, with the understanding that paying it back more slowly would help my credit. However, my credit score still did not increase. I believe I was given misleading information regarding how these loans would impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have multiple old and inaccurate accounts on my credit report. That's keeping me from movina forward from obtaining credit. I have disputed an asked for writing verification and have not received it on none of the inaccurate accounts and all accounts and bad standings i am demanding for these counts to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding this unverified account appearing on my credit report. 

Violation : This agency ( National Enterprise Systems ) is reporting a collection account without my permission. I never received the required " Initial Notice '' ( 1692g letter ) informing me of my right to dispute this debt within 30 days. By failing to send this initial legal notice, they have violated the FDCPA ( 15 U.S.C. 1692g ). 

Requirement : Since I was denied my initial right to dispute, I demand that this agency provide the Original Contract with my signature and the Chain of Title showing they legally own this account. A simple bill printout is NOT validation. 

Resolution : If they can not provide the original contract and proof they mailed the 1692g notice, I demand immediate deletion of this account from all credit bureaus.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Spoke with a woman on XX/XX/XXXX with regards to an old debt that I paid back in XXXX and she told me the last 4 digits of the original account number. She provided an email address so that I could send proof the debt was paid in full and released from any liability. My documentation and what she told me about the account number matched. On XX/XX/XXXX, I tried emailing the documentation 3 times but the email was " invalid ''. I then called multiple times the same day XX/XX/XXXX to leave a voicemail about the email being invalid and needed a valid email address. They are 3 hours ahead and I'm XXXX, 3 hours behind Today, XX/XX/XXXX, I received a voicemail from the same company. I called back and spoke with a man. Different experience. He gave me a different account number and said he could not tell me when the account was opened and that they don't have dates. I was only told " statute is XXXX ''. I explained the situation that I'm receiving conflicting information and he did not want to hear me out. Instead, he said I needed an attorney and that this will be escalated. I told him I need to go through my records and will email the documentation if I had it and if not, I would call back and take it from there. He said I have had enough time. Mind you I have only known of any collections with this company since XX/XX/XXXX. I have not been notified by mail or any other means and I have had the same address for 13 years. He said he was going to tell his secretary to file the paperwork and that I was committing fraud etc. I have checked my credit reports going as far back as XXXX and nothing about this said account has shown up. I emailed this company ( the correct email address ) requesting a debt validation on this time-barred account. If it's even mine. I have tried calling Citibank on XX/XX/XXXX and it's an automated system. I typed in my SS # and they do not have me on file. The system did not allow me to speak with a person.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received a settlement check for a case I won. The check got deposited, I spent some and then the bank randomly closed my account. I am not sure what was where when they closed it, in my checking or savings, but I had both. Chase told me I needed to contact the company who sent it to get the check verified. Problem was, none of my lawyers or the CEO were able to provide the number they needed to verify. So the money just disappeared and the account was closed. I attached the one check stub I could find, but couldnt find the larger deposits stub. But I have the deposit receipts I hope this will be enough to locate my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal CR Union reporting a inaccurate account on my credit reports as charge-offs. They haven't sent me a 1099-C in proof of the charge-off accounts. Which yet haven't showed proof of charge-off. If so, by law they suppose to send me a 1099-C. For months they have been reporting inaccuratecy on my credit reports. By law it's illegal reporting a charge-off account on a consumer report. A charge-off is a written off debt that's written through the IRS, and then void and can't be collected or reported as owed debt. I demand Navy Federal CR Union to delete both accounts completely off all my reports.

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 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I did a title loan back in 2018. The title loan was paid off however title max did not and has not released the lien or placed my vehicle back in my name. Found this out in 2025 after selling my vehicle to a dealership! Ive called several times spoke to several ppl in the office I did the loan in and corporate. Ive complained to them back in XXXX the first week they lied and started they released the lien I checked it has not been released and they lied about sending a letter to me. I called today because the dealership has still not received the lien release after I provided my address and theirs to receive it. I verified it multiple times they are refusing to release the lien from my car that I paid off. Ive complained about them to corporate but now I have no one to turn to complain about corporate via it has been almost 2 months and they still have not done anything. I need it released its mine! They never even gave me my title back!! Its been years. Customer service is horrendous! I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
Cardinal Financial XXXX erroneously charges me without approval and appropriate notice and continues to harass with mails of shortage payment. They claimed I dont have insurance coverage of my house from XXXX when i submitted my complete proof of insurance policy renewals to them XXXX different times : XXXX. XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX. XX/XX/XXXX I submitted the documents through email - XXXX despite submitting all proof of insurance to them and calling them several times on the phone confirming my insurance coverage, they still continue to charge my loan escrow account and sends over notices of charging. I have never used an escrow from them since I pay my own taxes and insurance.

Company response to consumer: Closed with non-monetary relief