vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Union Home Mortgage Corp
State: NH

Complaint narrative:
XXXX  Whom It XXXX Concern : I am writing XXXX  report what appears XXXX  be a deliberate misrepresentation on a recent mortgage application submitted by XXXX XXXX XXXX  XXXX XXXX, for the property located at XXXX XXXX XXXX, XXXX, New Hampshire. 
Based on publicly available information XXXX  the current use of the property, it is my understanding that the borrower represented this home as her intended primary residence in order XXXX  obtain an owner-occupied mortgage. However, she has never moved into the property. Instead, the house is being operated as a rental, with individual rooms advertised XXXX  tenants. The top floor is being rented XXXX  a family of XXXX, while the XXXX bedrooms on the XXXX XXXX  floor are being rented to XXXX gentlemen. The current listing can be viewed at the following link : https : XXXX? XXXX # lil-mediaTab. 
This pattern is not new. A review of the borrowers other properties indicates that she has previously obtained mortgages under the pretense of owner occupancy XXXX  subsequently rented those properties out. Had XXXX XXXX Mortgage conducted a thorough review of her existing mortgages XXXX  occupancy history, this pattern would likely have been identified. 
The propertys current use is inconsistent with the character of the surrounding neighborhood, which consists primarily of single-family owner-occupied homes. In addition, the behavior of the tenants raises concerns about property maintenance XXXX  safety. For example, the garbage bins routinely remain at the curb days after pickup. This action is not typical of an owner-occupied residence XXXX  further supports the conclusion that the borrower never intended XXXX  live at this address. 
I respectfully request that XXXX XXXX Mortgage conduct a full review of this loan file XXXX  take appropriate action regarding the borrowers apparent misrepresentation. I am also forwarding this information XXXX  the XXXX XXXX of Investigation, as mortgage fraud has broader implications for lenders, neighborhoods, XXXX  the public. 
For my personal safety, I ask that my name not be disclosed in any communication with the borrower or tenants. I am a retired resident living across XXXX XXXX from the property, XXXX  I am concerned about the situation that has developed. 
Thank you for your attention XXXX  this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Top Line Collectors LLC
State: NY

Complaint narrative:
company calling itself Top Collectors has been calling me about an XXXX XXXX debt. They refuse to provide any written verification or a Debt Validation Letter. When I asked for proof of the debt, they laughed at me, harassed me, and gave multiple different debt amounts. They also transferred me between several different people and threatened to take me to court without sending any documentation. I believe this is fraudulent or abusive debt collection and a violation of the FDCPA. I am requesting the CFPB to investigate and stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I contacted for information about loan. Never heard anything or couldn't tell me anything.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-16 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: Paypal Holdings, Inc
State: KY

Complaint narrative:
Company : Venmo Product : Debit Card Issue : Dispute Goods Not Received I am filing a complaint regarding a debit card transaction made using my Venmo Debit Card on XX/XX/year> in the amount of {$38.00} to merchant descriptor XXXX  * XXXX. 

I never received any order confirmation email, tracking number, shipment notification, or product. 

On XX/XX/year>, I filed a dispute for goods not received. Venmo denied my dispute, stating that I could not provide proof of confirmation or shipment. However, the reason for the dispute is that the merchant never provided confirmation or tracking information. 

During a phone call with Venmo support, I was informed that they were unable to reach the merchant. Despite this, my dispute was still denied. 

Under debit card dispute rules for goods not received, the merchant must provide proof of delivery to the cardholders address. Venmo has not provided me with any tracking number, delivery confirmation, or proof that the goods were shipped or delivered. 

If the merchant can not provide proof of delivery, I do not understand how the dispute can be denied.

I am requesting : 1. Written documentation supporting the denial decision.

2. Any delivery confirmation or tracking information provided by the merchant.

3. A reopening of this dispute and proper processing under card network rules for goods not received.

4. A refund of {$38.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 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: SC

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 2026-02-16 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: FL

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 2026-02-16 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: FL

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 2026-02-16 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: Chime Financial Inc
State: NC

Complaint narrative:
I have been a member of Chime Bank since XXXX and decided to have my XXXX XXXX direct Deposited to them on XXXX XXXX, XXXX. On XX/XX/XXXX at XXXX XXXX  a charge I did not make occured it was in the sum of {$300.00} to XXXX * XXXX  * XXXX. Then again at XXXX XXXX  another Charge of {$300.00} to XXXX * XXXX  * XXXX. At XXXX another charge of {$300.00} had occured to XXXX * XXXX  *. At XXXX XXXX  a charge of {$200.00} was taken out of my account from XXXX * XXXX  *. I contacted Chime sent in several pictures of me talking to the company that made the charges and they precisely said my bank or I had to approve the charges which neither I nor the bank did. Then went on to say I was responsible for the charges regardless. I disputed this 3 times with Chime and even sent in a police report through XXXX NC Police Department where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  Whom It XXXX Concern : This letter serves as my formal response XXXX  your statement dated XX/XX/XXXX. 
I do not acknowledge this alleged debt XXXX  I continue XXXX  dispute it in its entirety. 
Your response indicates that you have reported this account XXXX  the consumer reporting agencies XXXX  verified it as accurate. However, you have not provided competent evidence that I have a contractual obligation with your company or your client. 
Under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are required XXXX  report complete XXXX  accurate information XXXX  XXXX  conduct a reasonable investigation when a debt is disputed. 
At this time, I am requesting the following : A copy of the original lease or contract bearing my wet ink signature showing I agreed XXXX  the alleged debt. 
Documentation showing the full chain of assignment from the original creditor XXXX  XXXX XXXX XXXX XXXX XXXX. 
A complete payment ledger showing how the balance of {$6500.00} was calculated. 
Proof that you have the legal authority XXXX  collect in the XXXX of Florida. 
The date of XXXX delinquency as reported XXXX  the credit bureaus. 
Proof that your XX/XX/XXXX letter was mailed via certified mail or other trackable means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
For more than a year, my Citibank credit card account has been repeatedly targeted by highly sophisticated scammers who have accurate, real-time information about my account.The calls are coming from a real CITI BANK number. During these calls, the scammers know my recent and exact transactions, exact name of the places I made purchase from and the amount, current exact balance, past balance, they know that I have paid my balance, card details, address, and partial Social Security number.

This has continued despite multiple security actions, including several card replacements, new user IDs, password changes using strong unique passwords, account reviews with Citibanks fraud department, credit freezes, and full security monitoring. My email accounts, devices, and digital wallets are secured with multi-factor authentication and rotating security codes.

I do not store my Citibank information in unsecured apps, and I do not reuse this card at the same merchants.I do not use this card shopping OUT. My account has very limited usage. Despite this scammers still have an access to all this info and make calls using spoofed Citibank phone numbers and highly specific account details.

Because the scammers consistently have access to current balances and recent transactions, this suggests unauthorized access through Citibanks internal systems or third-party service partners. Standard security measures have not resolved this issue.

I have made repeated efforts to resolve this directly with Citibank over the past year, but the problem continues.I have replaced my card 3 times since XX/XX/XXXX XXXX.And two times before that for the last 12 months.

I am requesting a formal investigation into possible internal or partner data access, a full review of who has accessed my account information, and permanent corrective action to protect my personal and financial data

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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have recently checked my credit report XXXX  noticed some fraudulent charges on my credit report. Please remove these fraudulent accounts from my credit report because this reporting goes against XXXX XXXX guidelines XXXX  is stopping me from obtaining credit. I have no contract with this company nor have I done any business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am filing a complaint against XXXX  for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX  consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorougn investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of investigation. 

This debt was removed from credit report in XXXX and has now been sold to a new agency and put back onto my credit report as of XX/XX/XXXX. This is a violation of fair credit reporting and I will seeking an attorney to represent me in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I was contacted by who I thought and was told was a Wells Fargo representative. They were calling to notify me that a loan had been opened in my name and charges were made on my account and wanted to verify said charges. The caller was able to gain access to my online banking and used my debit card information to transfer money to " their '' cashapp account. No personal information was given to the caller. Nothing such as my social security number, birthdate, etc. Charges totaling {$13000.00}. After relaying this information to Wells Fargo, they denied my claim because they said my debit card was in my possession and they assumed I made the charges. Of course my debit card was in my possession, they caller used my info to gain access to my account info. I filed a police report as well. Outlining the same information giving the officers the date/phone numbers the scammers called from. The caller made the call from a Wells Fargo number. I was told by Wells Fargo when I made my claim initially and was told that is how the scammers get by. They use a caller id spoof. I am waiting on the police report to be published.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I am filing a formal complaint against Alliant Credit Union for their failure to adequately investigate a misdirected payment and for allowing a recipient to engage in documented extortion regarding my funds. 

Transaction Details : Amount : {$60.00} Transaction Date : XX/XX/year> XXXX  Transaction ID : # XXXX Recipient : XXXX XXXX XXXX XXXX : Due to a clerical error during a transaction with my barber, {$60.00} was sent to a previous contact, XXXX XXXX XXXX I immediately contacted the recipient and requested a refund through XXXX XXXX. XXXX XXXX confirmed receipt of the funds but explicitly stated he would only return the money if I removed a negative business review I had previously left for him on a third-party platform. 

Evidence of Error : I have provided Alliant Credit Union with proof of the duplicate transaction. My account shows two back-to-back charges of {$60.00}, both with the memo " haircut, '' proving the first was an error and the second was the intended payment. 

Admission of Receipt : I've informed Alliant that I have a text message from XXXX XXXX where he acknowledges he has the money but is withholding it as leverage until I remove my review on XXXX. 

The Failure of Alliant Credit Union : Despite presenting clear evidence that the recipient is orphaning these funds based on a personal vendetta, Alliant has refused to reverse the transaction or treat this as a fraudulent withholding of funds. By failing to act, Alliant is effectively enabling a third party to use their platform for extortion. 

Desired Resolution : I am seeking a full reversal of the {$60.00} charge and a formal review of Alliant Credit Union 's dispute resolution process regarding misdirected XXXX payments where the recipient refuses to return funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
REQUEST FOR REINVESTIGATION on the following account appearing on my consumer report. I am disputing the accuracy, validity, XXXX  completeness of these items. I request that you provide a detailed explanation of how you verified each disputed account XXXX  the name XXXX contact information of the party that verified them. 

XXXX FIN SVCS/FIDELITY XXXXX XXXX OPENED XX/XX/year> This account has been illegally reinserted without proper notifications XXXX  no written communications. I dispute the accuracy of the balance XXXX  charge-off status. Provide full verification of the reported amount XXXX  dates.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] ( optional ) [ Phone Number ] ( optional ) [ Date ] To : [ Debt Collector Name ] [ Debt Collector Address ] [ City, State, ZIP Code ] Re : Request for Debt Validation Account # [ Insert Account Number ] To Whom It May Concern : This letter is being sent pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am formally disputing the validity of the above-referenced alleged debt.

Please provide proper validation of this debt, including : 1. The name and address of the original creditor ; 2. A complete accounting of the alleged amount owed, including interest, fees, and charges ; 3. A copy of the original signed contract or agreement bearing my signature ; 4. Proof that your company has legal standing and
authority to collect this debt ; 5. Documentation showing a complete chain of assignment from the original creditor to your company ; 6. The date of first delinquency.

Additionally, if you are reporting this account to any credit reporting agency, you must mark the account as Disputed pursuant to federal law.

Until proper validation is provided, you must cease collection efforts.

Failure to provide adequate validation while continuing to report or collect may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

This letter is not a refusal to pay but a notice that your claim is disputed. 

I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
To Whom It May Concern : This letter serves as my formal response to your statement dated XX/XX/XXXX. 
I do not acknowledge this alleged debt and I continue to dispute it in its entirety. 
Your response indicates that you have reported this account to the consumer reporting agencies and verified it as accurate. However, you have not provided competent evidence that I have a contractual obligation with your company or your client. 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to report complete and accurate information and to conduct a reasonable investigation when a debt is disputed. 
At this time, I am requesting the following : A copy of the original lease or contract bearing my wet ink signature showing I agreed to the alleged debt. 
Documentation showing the full chain of assignment from the original creditor to RentDebt Automated Collections , LLC. 
A complete payment ledger showing how the balance of {$6500.00} was calculated. 
Proof that you have the legal authority to collect in the State of Florida. 
The date of first delinquency as reported to the credit bureaus. 
Proof that your XX/XX/XXXX letter was mailed via certified mail or other trackable means.

Company response to consumer: Closed with explanation