vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2026-01-21 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: MS

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
My bank is not honoring a quick resolve to my multiple fraudulent charges disputes. 
I was first informed of this just after I recieved my first Social Security Payment on XX/XX/XXXX. I paid my monthly bills and almost immediately received nsf notifications and rejected debit card pos payments trying to make. 
In less than a 24 hour period my account was negative.

My bank ( SoFi ) finally sent me a text message informing me they are temporarily restricting access to my accounts because of this suspicious activity. 

After calling them and having the exact same discussion with XXXX different departments every single day since XX/XX/XXXX they promised me Id get a provisional credit within 1-3 days to cover these added expenses and late fees Im getting they said its still under investigation. Yet as you will see below with one of the attchachment emails that they've completed their investigation and have credited my account the amount missing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I am filing this complaint as a followup to my prior CFPB complaint because additional issues have occurred since that filing. My mortgage is a XXXX XXXX loan currently serviced by Selene Finance. 
Although Selenes denial letter is dated earlier, I did not receive the decision or notice of my appeal rights until XX/XX/year>, when I contacted Selene and requested that the letter be sent to me. This prevented me from exercising my appeal rights within the required timeframe. I submitted my formal appeal immediately upon receipt. 
During a phone call on XX/XX/year>, a Selene representative informed me that because my loan was transferred from XXXX XXXX while delinquent, no further options were available to me except paying the outstanding balance. This statement appears inconsistent with XXXX XXXX servicing requirements, which obligate the current servicer to evaluate all eligible loss mitigation options regardless of transfer status. 
The denial letter I received was incomplete and lacked the required detail, including : - No supporting calculations for the XXXX  Modification denial - No XXXX  or waterfall evaluation - No income/expense worksheet - Several options listed as not evaluated without explanation - No documentation supporting the stated reasons for denial I submitted a formal written appeal requesting a full, compliant review and copies of all calculations and documentation used in the evaluation. As of this filing, Selene has not provided acknowledgment, status updates, or the required documentation. 
I am requesting CFPB assistance to ensure that Selene Finance : - Corrects the appeal timeline based on the actual date I received the denial - Conducts a full, independent appeal review - Evaluates all applicable XXXX XXXX loss mitigation options - Provides the required calculations and documentation supporting its determinations- Stops providing inaccurate information regarding my eligibility I am working with a HUDapproved housing counselor and am committed to resolving this matter and retaining my home.

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 was result of identity theft
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
AARGON AGNCY is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGON AGNCY 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 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I paid off all my instacash loans and they back charged me 5 times

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 — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am disputing a collection account reported on my Equifax credit report XXXX XXXX XXXX XXXX collection agency. 

This account is inaccurate and has not been properly verified. 
The balance reported is incorrect, and no documentation has been provided showing I authorized this account or that the collection agency has the legal right to collect or report this debt. 
Additionally, the balance increased from the original amount without documentation or contractual authorization.I previously disputed this account, and it continues to be reported without proper validation, which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
JEFFCAPSYSis falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYSis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX, my credit reporting service notified me that DIVERSIFIED ADJ SVC put a collection account on my XXXX  history in the amount of {$330.00}. This was allegedly for utility debt. However, I have never received an invoice for that amount from my utility company, I have multiple accounts with my utility company all of which are current. Additionally, I have not received a single piece of mail or phone call from Diversified about this amount. Oddly enough, another debt company tried this same thing about a XXXX  or XXXX earlier and XXXX  investigated, found it to not be legitimate and removed it. It appears that company must have sold the account to Diversified or it is just another offshoot of the same company trying to get around the XXXX  investigation results. 

On or around XX/XX/XXXX, I submitted a dispute with XXXX. 

On XX/XX/XXXX, I emailed Diversified and notified them of their error and requested removal of the derogatory information. They did not call, nor mail me. 

On XX/XX/XXXX, I emailed them again and let them know they had failed to address this matter by removing it from my XXXX XXXX. And that they failed to provide any information on the debt within 5 days after putting it on the bureau ( as courts have recognized is the first date of contact ), which I understand to be a violation of the FDCPA. 

In that communication, I threated to report them to the CFPB. They still have not called, mailed or in any way contacted me regarding this matter. It is now XX/XX/XXXX a full 14 days after their report ( they say they opened the account on XX/XX/XXXX ) and they have made no attempt to resolve the matter, contact me or follow the requirements of the FDCPA. 

If this was a legitimate collection, they would have all my contact information which hasn't changed in years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I bought an item on XXXX and paid using PayPal. 

The item I received was not correct, and I opened a dispute. They immediately closed the dispute while I was on my honeymoon. 

Upon contacting paypal, they informed me that they had closed the case ( despite that yime wasnt up yet ), but would reopen it for review. After reviewing ( and according to PayPal this is in their notes ) I was promised a {$92.00} credit back in XXXX and again in XXXX. To cover the incorrect item. 

A total of XXXX phone calls and each time I am told they see i am supposed to get a credit, but can't credit it to me because it has to be the specific agent that said it the first time. 

We all know this is a lie. I have these phone calls on recording where they blatantly lie to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my researchMIDLAND CRED 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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I still have not received payment from a shift and the bank and my XXXX  XXXX are both going back and forth saying they do not have it branch does not see a deposit but my employment ( XXXX ) sees that a deposit was made XX/XX/year> but I have not received anything. I need my money and tired of the back and forth.

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: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I deposited a check for {$100000.00} on XX/XX/XXXX into my Wells Fargo checking account, which I have had for at least 20 years. The check is from my business, which has been active since XXXX. I have deposited many checks from my business bank ( XXXXXXXX XXXX  ) into my XXXX account, so there is a clear history of money transferring between the XXXX accounts in the past. While this check is larger, and I expected perhaps a slight delay in available funds, I called on XX/XX/XXXX to check on it and the agent told me it would not be available until XX/XX/XXXX. She said there was absolutely nothing I could do, although I offered to come to a branch with my ID, a voided check from my other account, or any number of ways to verify my identity and account. I was very dismayed because I needed this money to pay my XXXX  taxes on XX/XX/XXXX. She said nothing could be done, and I asked to have the check cancelled and she said she could not do that. I looked at my XXXX XXXX  account and realized the $ XXXX was pulled out of my account on XX/XX/XXXX, so I was certain they had the money, they were just hanging on to it. I accepted that I would have to pay my taxes a day late. Then I went to pay my taxes on XX/XX/XXXX and noticed my money still was not accessible in my WF account. When I called they told me it would now not be available to access until XX/XX/XXXX, a full 10 days after the initial deposit and 9 days after they received the $ XXXX from XXXX XXXX. I still do not have access to my funds today ( it is XX/XX/XXXX ) but I hope they are available tomorrow. It is absolutely egregious that WF could be in possession of $ XXXX of my funds without a requirement to release them. I understand fraud risks but there is no risk when theyve been in possession of the money for a full 9 days. At this point, theyre just making interest off funds that are mine that I have no access to.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i did a pruchase protection claim and provided all the information need from technication amex asked for and becuase they were lazy and cant reach the technication by phone and only called once they dont want to approve my pruchase protection claim even tho i provided everything they asked for this is unfair and misleading of ame

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
I am disputing inaccurate information being reported on my credit report for my mortgage account with PHH mortgage. 

The account is reported as late or delinquent. This information is incorrect. 

I made consistent mortgage payments every month since XX/XX/year> according to my XXXX agreement. The appearance of delinquency was caused by the servicers misapplication of payments during an escrow recalculation and loan transfer, including placing funds into a suspense account and applying payments backward to prior months. 

I began actively disputing this issue with the servicer in XXXX, prior to any credit reporting. Despite being aware of the dispute, the servicer reported a delinquency based on internal accounting practices rather than actual nonpayment. 

An escrow shortage does not constitute a missed mortgage payment. Credit reporting must reflect payment behavior, not how a servicer applies funds internally. Reporting a late payment under these circumstances is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

I am requesting a full reinvestigation and deletion of the inaccurate late or delinquent payment reporting. 

Attached are documents showing : - Payments were made since XXXX according to XXXX - XXXX issue relates to escrow and suspense account handling -Bank statements showing payments made Please correct and delete this inaccurate information.

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: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
My account was closed by huntington, and I could not withdraw the {$3000.00} in the account. They said its in review. These funds have been posted for 60 days or so.

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 was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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

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 2026-01-21 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: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX there were several charges on my XXXX Citibank card that were not mine. I contacted the company and they removed them. The next month on my XXXX bill there were also multiple charges for clothing in XXXX and Washington. I attempted to contact Citibank but was told since I could not provide my previous phone and email account they could not verify my identity. They did not recognize my new one. I had to change it because it was hacked. They were to send an attestation form via mail for me to complete. I asked them to please freeze the account until it was resolved. When I had not received the form by XX/XX/XXXX I called back and they said they had sent it and it was probably caught up in holiday mail. I asked for another and asked once again that they freeze the account. I just receive my Bill for XXXX charges and there are an additional {$320.00} in charges that made on XX/XX/XXXX and XX/XX/XXXX I did not make. I am XXXX XXXX XXXX and getting very frustrated by the roadblocks they seem to be putting up. I even have problems understanding the Citibank staff because of the thick accents. This is an especially difficult issue for seniors with any hearing loss. At this point I would just want to be able to get help in getting the charges reversed and the card replaced. It is more than clear it has been hacked.

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 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I was garunteed a new credit card within XXXX business days. Today marks day XXXX and no card. My credit card was saved into a merchants system and was debited over XXXX dollars in a XXXX month period. The bank simply disputed XXXX months of charges and told me the other charges are out of the statue of limitations. So there is a time period now in wich they wont investigate up to XXXX months back? So my lively is only protected within 6 month periods?! They repeadtly hang up on me when I call and they avoid any all accountability in regards to this matter by saying they dont have to listen to me. Instead my account was vindictivly shut down just to make it even more difficult on me than it allready is. The only time i ever recieved a call back the lady told me this is a bank and they have a responsibility to there shareholders first. First and foremost is profits. That phone call is saved in there system somewhere but ill bet another 10 days on my credit card they won't pull it and review it. My accounts have been hacked and defrauded so many times last year my accountants cant even access the necessary paper work to do my taxes. I call with concerns and im told there is nothing they will do. Its up to me to do my due diligence and make sure my accounts are secure. Iv put in countless complaints with no return calls. No resolutions. Not even an acknowledgement of the complaint.

Company response to consumer: Closed with explanation