vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint regarding the handling of my account by Citibank and frozen accounts twice within the last XXXX or XXXX months. Around about XX/XX/XXXX, my account was randomly frozen. I was forced out of hotel the had medical problems occur that sent me to the hospital. The XXXX XXXX XXXX I suddenly endured had me in the hospital XXXX nights, due to financial stressed, caused by city bank. On XX/XX/XXXX my account was suddenly frozen and my debit/credit card was canceled after I contacted customer service to request that a sudden block on my account be lifted. During the call, I was informed that there had been a fraud report earlier that day ; however, I did not report any fraud and there were no unauthorized transactions on my account. When I pressed for clarification, the representative referenced an event from XX/XX/XXXX, which is unrelated to my current account activity and not a valid reason for a new account restriction today. Despite acknowledging that there was no current suspicious activity, the representative proceeded to cancel my card and told me that I would need to wait for a replacement to be mailed. This action has left me without access to my funds and appears to have been taken without a legitimate basis. I am particularly concerned that the cancellation occurred immediately after I requested that the existing block be lifted, which raises concerns about improper or retaliatory handling of my account. I am requesting the following : 1. A full explanation of why my account was frozen and my card canceled despite the absence of current suspicious activity. 2. Immediate restoration of access to my account and funds. 3. A review of the actions taken by the representative during my call. 4. Steps to ensure that unnecessary freezes do not continue to occur on my account. I rely on my bank account for everyday financial needs, and sudden restrictions without clear justification create serious hardship. I request prompt review and resolution of this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding late payment reporting on my Bank of America credit card account that resulted from the banks automatic payment system being canceled without my authorization. I had automatic payments enabled on this account specifically to ensure that payments were made on time. At some point prior to the due date, the automatic payment setting was canceled by the Bank of America system without my knowledge or authorization. I did not receive any notification that autopay had been canceled. As a result, the scheduled payment was not processed and the account was marked late. When I discovered the issue, I immediately paid the outstanding balance. I contacted Bank of America customer service to explain that the late payment occurred because the autopay had been canceled unexpectedly. During that call I requested that the late payment reporting be corrected because the issue was caused by the banks autopay system rather than an intentional missed payment. The representative declined the request and stated that the bank must report honestly because the payment posted after the due date. This is particularly concerning because this is the second time that automatic payment on this account has been canceled without my authorization, leading to a late payment. I rely on autopay specifically to avoid missed payments and maintain accurate payment history. Reporting a late payment caused by a system cancellation that I did not initiate does not accurately reflect my payment behavior and has negatively affected my credit profile. I am requesting that the bank investigate why the automatic payment was canceled and correct the credit 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 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I made a principal and interest payment of {$1000.00} for XX/XX/XXXX and an additional principal and interest payment again it {$1000.00} for XX/XX/XXXX. They did not apply the payments like I asked. I am current and only due for XX/XX/XXXX. They are reporting me XXXX months behind incorrectly. I am very upset because I have called them over and over and over again to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
Company contacted me via text message on XX/XX/XXXX and XX/XX/year> about a supposed debt. I do not know what that is so I asked for a validation of the debt on XX/XX/XXXX. Someone responded that they could not locate an account with my information and could not validate the debt, so I asked for communication to stop. This was agreed to in their response. They texted again on XX/XX/XXXX attempting to collect a debt again. I have no idea what any debt is for and they broke their agreement of ending all contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am filing this complaint regarding improper debt collection and inaccurate credit reporting by LVNV Funding LLC and its servicing affiliate Resurgent Capital Services concerning an alleged account originally associated with XXXX XXXX XXXX XXXXXXXX XXXX While reviewing my credit report, I discovered a collection account reported as follows : Account Name : Resurgent / LVNV Funding Account Type : Debt Buyer Collection Date Opened : XX/XX/XXXX Balance : {$2100.00} Status : Collection account {$2100.00} past due Balance Updated : XX/XX/XXXX Estimated Reporting Until : XX/XX/XXXX I discovered that this company is attempting to collect and report an alleged debt that I do not owe and that has not been properly validated. I previously disputed this account and requested verification including documentation showing that LVNV Funding legally owns the debt and has the authority to collect it. I also requested proof demonstrating that I am legally responsible for the alleged balance being reported. Specifically, I requested : Proof of ownership and chain of title from the original creditor to LVNV Funding Documentation showing the alleged account was transferred or sold to LVNV Funding A complete itemized accounting of the balance being reported Documentation verifying that the account belongs to me LVNV Funding failed to provide proper validation of the alleged debt. Despite this, they continue reporting and attempting to collect the account. As a debt buyer, LVNV Funding must be able to demonstrate that they legally acquired the debt and that the information they are reporting to consumer reporting agencies is accurate and verifiable. The continued reporting of this account without providing proper validation has resulted in inaccurate credit reporting and ongoing financial harm. This account is negatively impacting my credit profile while I am actively working toward obtaining financing. Despite my dispute, the account remains reported without adequate investigation or substantiation. These actions raise serious concerns regarding compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, which require that debt collectors provide accurate information and properly investigate disputed accounts. Because LVNV Funding has failed to validate the debt and verify the accuracy of the information being reported, I respectfully request the following resolution : 1. Immediate deletion of this collection account from all consumer reporting agencies 2. Immediate cessation of any collection activity related to this account unless proper documentation is provided 3. Written confirmation that the account has been permanently removed Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: NC

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: TX

Complaint narrative:
Company : U.S. Bank Home Mortgage Issue : Mortgage assistance Complaint : I am requesting assistance regarding my FHA-insured mortgage loan serviced by U.S. Bank . I have been attempting to obtain mortgage assistance and loss mitigation options in order to avoid foreclosure and keep my home. I contacted the FHA Resource Center and was informed that servicers must evaluate borrowers according to the FHA Loss Mitigation Waterfall under HUD Handbook 4000.1. I have requested review for available options such as a loan modification, combination loan modification with partial claim, payment supplement, and other FHA home-retention options. However, I have not received a clear explanation regarding whether my loan has been fully evaluated for all available programs. I have XXXX XXXX with XXXX living in the household. Losing our home would create severe hardship for my family. I have informed the servicer of these circumstances and requested assistance and reasonable consideration. My goal is simply to obtain a sustainable solution such as a XXXX FHA loan modification so that I can remain in my home and bring the loan current. I am asking for the CFPBs assistance to ensure that the servicer properly reviews my loan for all available FHA loss-mitigation options and communicates clearly about the options available to prevent foreclosure. I am actively trying to work with the servicer in good faith to resolve this hardship and keep my home for my family.

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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Nala Payments LLC
State: TX

Complaint narrative:
On [ eXX/XX/XXXX, I contacted NALA money transfer app support ( XXXX XXXX ) to request an increase in my transaction limits from the current {$60000.00} maximum by {$40000.00}, so I could send [ total approximate amountXX/XX/XXXXXXXX this month to complete payments for a house I am building. I provided supporting documents including my XXXX tax returns showing I earn {$180000.00} per year as proof of legitimate funds and source of income. In their first response [ attach screenshot ], they said : " After careful review, we are sorry to inform you that our system is unable to upgrade your transaction limits at this time. We'll be reviewing them on a rolling basis. '' I followed up requesting a clear explanation of my current limits, why they could not be raised despite my proof of income, and what specific steps I needed to take. In their second response [ attach screenshot ], they said : " The decision is based on our internal terms and conditions. Like any financial transfer app, we must follow specific regulations that stem from our financial obligations with the relevant institutions. Unfortunately, this decision is final. '' They provided no specific regulation names, no confirmation of my exact dollar limits, no clear criteria for future increases despite my {$180000.00} annual income documentation, and no actionable steps. This prevented my legitimate transfer and caused delayed house construction payments in XXXX, risking completion this month and potential penalties/extra costs. I requested specific information about the regulations/policies and my limits, but they did not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX XXXXs 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 2026-03-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate items on my report. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
I can provide screenshots for conversations with the chat and they just kept closing the chat saying theyll issue it as a complaint. My account was shut down and they say I violated terms and conditions, but could not provide me the exact terms or conditions that are violated, and then I had a problem with getting my money out of the savings, but I was able to transfer my money from out of the checking or available balance an. And now theyre putting interest on the loan. I had every three days, but it stated every week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Johnson Mark LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a debt collection letter from Johnson Mark LLC. This company stated that I owe a remaining balance of {$4400.00} for my defaulted private student loan valued at {$11000.00}, which is owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ignored this as I had already settled this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$7000.00} in XX/XX/XXXX and the account was satisfied per the settlement agreement. On XX/XX/XXXX I began receiving solicitation/advertisements from multiple law firms where I learned I had a lawsuit filed against me on XX/XX/XXXX. I called Johnson Mark LLC and informed them they had made a mistake as I have already settled this debt with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They would not accept my verbal notification and then provided me with an email to send the settlement letter to. I had to call XXXX, XXXX XXXX XXXX XXXX XXXX this morning to attain that letter of settlement because looking through my records I have either misplaced it or I never actually received it. I'll note that the collection, which showed on my credit report, was removed after the settlement was complete with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received that letter via email and sent it to Johnson Mark LLC using their XXXX email they provided. By law Johnson Mark LLC should never had been able to attempt debt collection on previously settled debt. I have called them twice and both times, no one would provide me with any answer as to how this happened. They simply said they represent XXXX XXXX XXXX XXXX XXXX and they could not go into further detail. Again if I settled this with XXXX, XXXX XXXX XXXX XXXX LPA XXXX how is it possible that XXXX XXXX XXXX XXXX XXXX XXXX hire Johnson Mark LLC to collect on the balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: KY

Complaint narrative:
Validation of Debt Request - WILLRUSH/SMILEDIRECTCLUB LLC - WRA XXXX XXXX XXXX XXXX * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am disputing inaccurate duplicate reporting by IC System.The company is reporting multiple collection accounts for the same alleged medical debt, each showing a balance of {$580.00}. These appear to be duplicate listings of the same account, which makes the amount being reported inaccurate and misleading. I previously disputed this issue and requested validation of the debt, including documentation showing that each listing represents a separate and valid account. I also requested a breakdown of the balance and proof that I am legally responsible.The company did not provide sufficient documentation proving these are separate accounts, yet the duplicate entries remain on my credit report. This inaccurate reporting is harming my credit. I am requesting that all duplicate entries be removed, that this account no longer be reported multiple times, and that the account be removed entirely from my credit report if it can not be properly verified.

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