vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I had an account in collections with Harris & Harris LTD,, I paid the amount the settlement amount in full to close account,, I called them today and told him it was still in collections,, if they can, please send me a copy of the payoff,, they said that they would email it to me,, I am requesting to take it off my credit, please. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Since my mortgage company, XXXX XXXX, transferred my loan to Rocket Mortgage few months ago, Ive always had difficulties in reaching the Rocket Mortgage via their website. I always ended up calling them. I some time in mid XXXX XXXX XXXX called Rocket and requested a payoff on my loan, I was charged every time to receive it via email. When I inquired about my property tax since I had an escrow account with Rocket Mortgage rep, I was told Rocket Mortgage will be paying the property taxes on XX/XX/year>. I wanted to make sure that my property taxes are paid before I pay off the remaining balance. When I called Rocket Mortgage and ended up speaking on or about XX/XX/XXXX or XXXX after the wire transfer of the funds to pay off the loan, which was good to XX/XX/XXXX. I was told by escrow dept. Rocket will not pay the property taxes because the it was in the process of being paid off. I became uneasy because I did not want to be delinquent in tax payment. I was reassured by the representative not to worry that there is a XXXX grace period for tax payments and I should receive the check from Rocket Mortgage to pay the property taxes. Besides it only takes Rocket Mortgage to close my account XXXX weeks and I will still be well within the 30 day grace period to pay the property taxes. On XX/XX/XXXX, I went into XXXX XXXX XXXX Property Tax collectors website and shocked to see that now there is 10 % penalty of $ XXXX. Contacted Rocket Mortgage, kept saying its not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and have submitted an official FTC Identity Theft Report regarding multiple fraudulent credit accounts opened in my name without my knowledge or authorization. The fraudulent accounts are as follows : Citibank {$15000.00}, charged-off/delinquent I did not open, authorize, or benefit from any of these accounts. I became aware of them only when they appeared on my credit report. I submitted formal fraud disputes with supporting documentation to both Citibank and XXXX. Both creditors completed internal investigations and incorrectly determined that I am responsible for these debts, despite my FTC Identity Theft Report documentation. I have certified denial letters from both creditors confirming their decisions. I am requesting CFPB assistance because : Multiple creditors have refused to correct fraudulent accounts following proper identity theft reporting All three accounts continue to be reported negatively on my credit file I have fully complied with all federal identity theft reporting requirements The pattern of fraud across two creditors totaling {$45000.00} indicates a serious compromise of my personal information Requested resolution : Removal and permanent blocking of all three fraudulent accounts from my credit reports Proper reinvestigation of all identity theft claims by both Citibank and XXXX Disclosure of the specific verification methods used by each creditor to determine liability Coordination with all three credit bureaus to ensure all fraudulent accounts are blocked under FCRA 605B This situation is causing severe and ongoing harm to my credit profile and financial standing. I am requesting prompt regulatory intervention. Consumer name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Attachments : FTC Identity Theft Report Government-issued ID Proof of address

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 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: SC

Complaint narrative:
My federal student loan account was reported as XXXX days past due, which significantly damaged my XXXX XXXX. The account was originally set up while my mother was handling the process and managing communication. Shortly after, she was diagnosed with stage XXXX XXXX, and during that time many financial responsibilities, including this account, were disrupted. Although my email was listed on the account, I did not receive clear notification that payments had resumed or that the account had become delinquent. The only notice I later found was in my junk email folder. I became aware of the issue only after reviewing my credit report and seeing the delinquency reporting. At that time, I immediately took action to address the account and bring it current ( or begin repayment arrangements, if applicable ). The reported XXXX day delinquency occurred before I had knowledge of the issue, and I am requesting a review of the credit reporting due to communication failures and the exceptional circumstances involved. I am asking for correction or removal of the late payment reporting as a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
FORMAL DISPUTE, DEMAND FOR VALIDATION, AND CEASE REPORTING To Whom It May Concern, I am writing in response to information your company has furnished to consumer reporting agencies regarding an alleged debt under my name. I dispute this debt in its entirety. NO PRIOR NOTICE FDCPA VIOLATION You have reported this account to credit reporting agencies without first providing me proper written notice of the debt or my right to dispute within 30 days. This is a violation of : 15 U.S.C. 1692g ( a ) Requirement to provide validation notice 15 U.S.C. 1692e False or misleading representations NO CONTRACTUAL RELATIONSHIP I have no knowledge of, nor have I entered into, any agreement or contractual relationship with your company. You have no legal basis to claim I owe you a debt. DEMAND FOR VALIDATION Pursuant to : 15 U.S.C. 1692g ( b ) I demand full validation of this alleged debt, including : The name and address of the original creditor A complete account history and itemization of the alleged balance A copy of any signed agreement or contract bearing my signature Proof that your company has legal authority to collect this debt Documentation showing how this debt was calculated Until such validation is provided, you must cease all collection activity. IMPROPER CREDIT REPORTING You have furnished this account to credit reporting agencies without verifying its accuracy. This is a violation of : 15 U.S.C. 1681s-2 ( b ) Duty to investigate disputed information 15 U.S.C. 1681e ( b ) Maximum possible accuracy Reporting a disputed and unverified debt is unlawful. DEMAND FOR DELETION Because : I was not properly notified The debt is disputed No validation has been provided No contractual relationship exists I demand : Immediate deletion of this account from all credit reporting agencies Written confirmation of deletion CEASE AND DESIST Pending validation, you are instructed to : Cease all collection activity Cease reporting to any credit bureau NOTICE OF LIABILITY Failure to comply will result in : Complaint filed with the Federal Trade Commission Legal action for violations of the FDCPA and FCRA This is a formal legal dispute. I expect a response within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I am filing this complaint regarding the failure of Santander Bank to properly release a lien on my vehicle after a refinance, which has caused ongoing financial harm. I originally purchased a vehicle in XXXX and financed it through Santander Bank. The vehicle was later shipped to XXXX and is currently registered in XXXX. In XXXX XXXX, I refinanced the vehicle with XXXX XXXX XXXX XXXX XXXX and since that time I have been making payments to XXXX XXXX in good faith. Since XX/XX/XXXX, I have received multiple notifications from XXXX XXXX stating that they have not received the vehicle title. As a result, my monthly payment has been increased back to the original higher amount. I have made extensive efforts to resolve this issue : * I have contacted Santander Bank numerous times ( approximately XXXX calls ), and on multiple occasions I coordinated three-way calls between Santander and XXXX XXXX XXXX * Santander repeatedly stated that they mailed the title to XXXX XXXX. XXXX XXXX has consistently stated they have not received it. * Santander advised that the title may have been lost in the mail and claimed to have requested and resent it multiple times. * I visited the XXXX XXXX XXXX XXXX XXXX and was informed that the title is electronic and still reflects Santander as the active lienholder. * XXXX XXXX provided me with a promissory note and XXXX release documentation from Santander ; however, when I presented these documents to the XXXX, I was informed they could not process any changes due to the electronic title still being tied to Santander. * I contacted the XXXX Department XXXX XXXX XXXX and XXXX XXXX and was informed that the title had already been transferred to XXXX and they could not provide a copy. On XX/XX/XXXX, I visited XXXX XXXX in XXXX, and they confirmed they could not provide a copy of the title because it is electronic and still lists Santander as the lienholder. Despite repeated attempts over several months, Santander has failed to properly release the XXXX through the appropriate electronic system. Mailing a physical title has not resolved the issue, and the XXXX remains active in XXXX system. As a result : * XXXX XXXX XXXX XXXX is unable to obtain the title and finalize the refinance. * My monthly payments have increased, causing severe financial harm. * I have spent significant time and effort attempting to resolve an issue that is outside of my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received an alert from XXXX XXXX at the beginning of XXXX after my 1 month trip out of the country that a Chime account was opened under my name. This has resulted in a negative affect on my XXXX XXXX. I have opened disputes with both XXXX XXXX XXXX and have put a freeze on both credit report. I've also updated all relevant personal information with these companies to ensure misused information is not used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Official Complaint for the Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint of Discrimination and XXXX XXXX XXXX XXXX XXXX : Frost Bank Branch Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Date of Incident : XX/XX/year> Statement of Fact : On XX/XX/year>, I visited the Frost Bank XXXX branch to open a business checking account for my registered small business. I was accompanied by my sister. Despite presenting a complete and valid documentation packageincluding my Employer Identification Number ( EIN ), Drivers License, Proof of Address, and a Business License ( DBA ) from the City of XXXX with a significant opening deposit, I was denied service under circumstances that indicate XXXX profiling and discrimination based on a visible XXXX. Timeline of Events : Inconsistent Onboarding Requirements : I was initially assisted by XXXX XXXX. Despite XXXX XXXX business card identifying him as a " XXXX XXXX, '' he claimed he needed to find a personal banker to assist me, causing an unnecessary delay in service. XXXX XXXX XXXX : The XXXX XXXX ( identified as " XXXX '' ) initially refused the account on the grounds that he " could not find the business online. '' I provided the business URL, and I received real-time notifications confirming the site was being accessed repeatedly from the branch location. ( I Have several real time notifications of address and location of the branch with time stamps, where this occurred. ) Subjective Denial of Service : When I confronted the XXXX with proof that the website was active and accessible, he abandoned his initial reasoning and stated, " I just don't feel comfortable opening an account for you. '' He offered no regulatory, legal, or policy-based justification for this " discomfort '' despite my full compliance with all " Know Your Customer '' ( XXXX ) requirements. Lack of Transparency : When I requested a business card to document the interaction, the XXXX refused to provide one, instead writing only a first name on a scrap of paper. Basis of Complaint : I believe I was targeted and denied a financial product based on protected characteristics. The Managers use of " discomfort '' as a basis for denial, despite the presentation of all legally required documentation, is a subjective and discriminatory application of banking policy. This constitutes a violation of the Equal Credit Opportunity Act ( ECOA ) and reflects a failure to provide equal access under the Americans with XXXX XXXX ( XXXX ). Desired Resolution : I am seeking a full investigation into the discriminatory practices of this branch and its management. I request that Frost Bank provide a formal, written explanation for the denial of services that cites specific regulatory or policy failures, rather than the subjective " comfort '' of branch staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
SPRING OAKS CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL 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 non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the failure of a creditor/collection agency to properly reinvestigate and validate a disputed account on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I previously disputed the accuracy of this account and requested proper validation, including documentation bearing my signature and proof of the alleged obligation. However, the company has failed to conduct a reasonable reinvestigation and has instead continued to report the account without providing adequate verification. This conduct appears to be in violation of my rights under federal law, including but not limited to : * Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i * Failure to provide proper disclosure of information under 15 U.S.C. 1681g * Continued reporting of unverifiable or inaccurate information Despite my request, I have not received sufficient evidence to substantiate the validity of this debt. Simply stating that the account has been verified without providing supporting documentation does not meet the legal requirements for validation. As a result, I am requesting the following : 1. Immediate reinvestigation of the disputed account 2. Full validation of the debt, including original signed agreement and complete account history 3. Deletion of the account from my credit report if proper validation can not be provided 4. Written confirmation of the results of the reinvestigation If this matter is not resolved promptly, I am prepared to pursue further action to enforce my rights under applicable consumer protection laws. Please investigate this matter and ensure compliance with all applicable regulations. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX [ Last 4 of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I urgently need your assistance in REMOVING and BLOCKING the accounts listed below, as they are negatively impacting my credit history and were not authorized by me making them fraudulent. This situation has caused me a great deal of anxiety, as someone may be out there using my name and personal information with malicious intent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my credit report. Thay are hurting my ability to obtain credit. XXXX XXXXXXXX XXXX XXXX$1000.00} opened on XX/XX/year> Experian XXXX XXXXXXXX XXXX {$990.00} Opened on XXXX XXXX Experian XXXX XXXX {$1300.00} opened on XXXX XXXX Experian

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