vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mortgage Research Center, LLC
State: SC

Complaint narrative:
" I completed a VA XXXX refinance on XX/XX/year>, which resulted in my XXXX mortgage payment being categorized as 'Unapplied Funds ' ( Credit Balance ). 

As of XX/XX/year>, XXXX XXXX ( XXXX  ) has officially marked Loan # XXXX as 'Fully Paid Off. ' I have provided the servicer with their own internal documents ( Exhibits A & B ) showing that the {$2400.00} in overage has already been reconciled within their ledger. 

Despite having fulfilled all administrative requirements to identify and allocate these funds, XXXX is refusing to release my property, citing a 30-day corporate 'cycle. ' Under 12 CFR 1024.34, the 20-day window is a maximum statutory ceiling, not a mandatory waiting period. Because the accounting is complete and the debt is satisfied, XXXX has no legal authority or contractual right to maintain possession of my capital. Their continued retention of these funds after formal demand constitutes Tortious Conversion and Unjust Enrichment for the purpose of corporate 'float. ' ''

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 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payments Demand for Deletion and Proof of Permissible Purpose To : Experian , Equifax, and TransUnion CC : Consumer Financial Protection Bureau ( CFPB ) I am submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable 15 U.S.C. consumer protection laws regarding inaccurate late payments reporting on my consumer reports. 
Accounts : XXXX XXXX {$100000.00} Late payments reported : XX/XX/XXXX ; XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX {$78000.00} Late payments reported : XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX You are reporting derogatory payment history without providing proof that : you had a permissible purpose to publish this information ( 15 U.S.C. 1681b ) the information meets maximum possible accuracy standards ( 1681e ( b ) ) a reasonable reinvestigation has been performed ( 1681i ( a ) ) the furnisher certified accuracy ( 1681s-2 ) I demand the following : Full Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ) including : original contractual agreement bearing my signature complete payment history ledger evidence of delinquency calculation furnisher certification of accuracy proof of lawful permissible purpose Immediate deletion of all disputed late payments listed above if documentation can not be produced. 
Correction to Paid as Agreed for each affected month across all reporting agencies. 
Failure to provide documentary evidence constitutes unverifiable information and requires deletion under federal law. Continued reporting without validation will be considered willful non-compliance subject to civil liability under 15 U.S.C. 1681n and 1681o. 
Please complete reinvestigation and confirm corrections in writing. 
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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I called them and chat with them on XX/XX/year> in regards to notice I received stating my accounts would be closed I spoke to two representatives on the phone and one via chat. They all ensured I was in good standings and my accounts would be fine I have checking and savings account in which my school refund just deposited and my irs refund is going now Ill have wait I have no access to my money they will not tell me why this is taking place my account is in good standings. I have XXXX children and have no access to my money had they told me this weeks ago I would have opened new accounts and got all my money out they closed my card today and will not allow access to any my funds I have children to feed rent to pay also light bills and water bills.

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 2026-02-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am submitting a complaint regarding the conduct of this debt collection agency. I have received repeated and excessive contact attempts, including multiple phone calls within a short period of time. Some of these calls have been made outside reasonable hours, and the tone used by representatives has been aggressive and unprofessional. I have also requested clarification and validation of the alleged debt, yet sufficient documentation has not been provided. 

The continued pressure to pay without proper verification is concerning. The representatives have used language that feels intimidating and misleading regarding potential legal consequences. This behavior has caused unnecessary stress and appears to disregard consumer protection standards governing debt collection practices. 

I am requesting a formal review of this matter and appropriate action to ensure the collection efforts comply with all applicable laws and regulations. I also request that all future communications be conducted in a professional manner and, preferably, in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I requested Debt validation from this company and proof that they are allowed to collect this debt and I never received any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
I had an account with XXXX / XXXX that was officially closed on XX/XX/year>. 

Despite the account being closed, another company has been contacting me attempting to collect on a debt that I do not owe. I have not opened any new account and the original lender is no longer active on this account. 

I did not authorize my information to be shared or transferred for collection purposes after the account was closed. 

I am being contacted regarding a balance that is not owed. 

I am requesting that : All collection attempts stop immediately Any company attempting to collect on this closed account cease contacting me Any information related to this account not be transferred or used for collection Written confirmation be provided that no balance is owed This account was closed on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
The funds were sent in XXXX dollars, totalling {$73000.00} XXXX, from XXXX XXXX XXXX XXXX account on XX/XX/year> I requested wire instructions from USAA and was provided the following wire instructions : SWIFT BIC code : XXXX Intermediary agent : The XXXX XXXX XXXX XXXX Intermediary agent address, if needed : XXXX XXXX XXXX XXXX XXXX, NY XXXX Creditor agent account number, USAA Bank : XXXX Creditor agent : USAA Federal Savings Bank Creditor agent address, if needed : XXXX XXXX XXXX XXXX XXXX, TX XXXX The funds were received in my account on XX/XX/XXXX in the amount of {$51000.00} USD This equates to an exchange rate of XXXX USD. The conversion rate on this date was XXXX resulting in a discrepancy of approximately {$2200.00} USD. 

USAA states that they received the funds in XXXX dollars and has no information regarding the conversion. They claim to have no communication or recourse with XXXX XXXX XXXX XXXX and are unable to inquire regarding transacation fees or conversion rates

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 2026-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After I lost my job, I was actively searching for work on XXXX. I was applying to anything legitimate that matched my experience, and one of the positions was for a shuttle driver picking people up from the airport and transporting them to hotels. It sounded completely normal and straightforward. Shortly after applying, I received a phone call from a woman who said she was in HR. Everything seemed professional. She told me they urgently needed someone and sent onboarding documents. They asked me to upload my drivers license and provide personal information as part of the hiring process. I did everything they asked because I genuinely believed I was about to start working. I was relieved. I thought I had found a job quickly. Then things became strange. 
They told me the company issues bonuses and sent me a check even though I had not started working yet. That immediately made me uncomfortable. It didnt make sense to receive money before even beginning employment. Thats when it hit me that something was wrong. I did not deposit the check. I did not cash it. I did nothing with it. 
As soon as I questioned it and told them I was no longer interested, I was blocked. The number stopped working. The website disappeared. I could no longer find the company anywhere. It was completely shut down. That is when I realized I had been scammed. After that incident, multiple financial accounts started appearing under my name. I did not open them. I did not authorize them. I never used them. I never benefited from them in any way. 
These are NOT my accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$7100.00} XXXX XXXX XXXX, XXXX {$9000.00} XXXX XXXX XXXX. XXXX, XXXX {$1400.00} XXXX XXXX XXXX. XXXX, XXXX {$2100.00} XXXX XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$3300.00} XXXX XXXX XXXX, XXXX {$1400.00} I am in the process of filing a report with the Federal Trade Commission ( FTC ) - XXXX, and the Internet Crime Complaint Center ( IC3 ). This matter is extremely serious, and I am not responsible for any of these debts.Under the Fair Credit Reporting Act, you are required to investigate and remove fraudulent accounts promptly.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Over the past several months, my Capital One account has been taken over multiple times due to fraud. Each time I reported the fraudulent activity, Capital One locked my account and refused to discuss it with me until I submitted identity verification documents they requested. During these review periods, I was unable to access my account or make payments. 

As a result of being locked out, one of my accounts incurred a past-due balance and was assessed a late fee. Once my access was restored, I immediately made the required payment. 

At that time, I was assured by Capital One representatives that both the late fee and any related interest charges would be waived because the delinquency occurred solely due to the account restrictions placed after the fraud reports. While the late fee was ultimately waived, Capital One is now refusing to waive {$23.00} in associated interest charges. 

On my most recent call, Supervisor XXXX ( Employee ID : XXXX ) informed me that Capital One would not waive the interest and acknowledged that this contradicts the information I was previously provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Johnstown Credit Bureau, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I received a collection letter from a debt collection agency seeking {$90.00} for an alleged municipal ticket dated XX/XX/XXXX. The letter stated that the account was reported to the credit repositories and will not be deleted. 

This wording is deceptive and misleading. Under federal law, debts can not be reported beyond XXXX years plus 180 days from the original delinquency. Based on the date provided, this alleged debt became obsolete for credit reporting purposes in XXXX. The letter nevertheless implied ongoing or permanent credit reporting, which could reasonably mislead consumers into believing their credit is still being harmed. 

I dispute owing this debt and have no recollection of the alleged ticket. I formally requested debt validation, including the original citation, proof that I am the responsible party, and documentation authorizing the collector to pursue the debt. As of filing this complaint, no validation has been provided. 

XXXX should not use misleading language suggesting continued credit reporting on time-barred or obsolete debts. This practice pressures consumers into paying debts they XXXX not owe out of fear of credit damage. I am submitting this complaint so the CFPB can review the collectors representations and help prevent similar conduct toward other consumers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, the are hurtting my ability to obtain credit.

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 2026-02-18 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, a charge of {$700.00} posted to my XXXX XXXX XXXX Credit Card for an online purchase. The merchandise was never successfully delivered. XXXX XXXX provided written confirmation stating XXXX XXXX, and I have documentation confirming the item was not delivered. 

I timely filed a billing dispute with Citi under the XXXX Credit Billing Act. Citi initially issued a temporary credit on XX/XX/XXXX. However, on XX/XX/XXXX, Citi reversed its position and denied the dispute, stating that the services or merchandise was provided as intended. 

Citi has not provided any proof of delivery, delivery confirmation, or evidence contradicting XXXX Depots written confirmation that delivery was unsuccessful. I requested documentation supporting Citis determination, including proof of delivery, and none was provided. 

As a result, I am being held responsible for {$700.00} for merchandise I never received. Interest has accrued on this balance while the dispute remains unresolved. 

This matter concerns improper denial of a billing dispute despite documented evidence of non-delivery.

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 2026-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
XXXX I opened a promotional savings account through marcus goldman sachs for XXXX cash back if deposited XXXX. i opened the account and transferred money from XXXX XXXX. then on the XXXX i received a phone call from marcus saying there was suspicious activity that they had to close my account and switch to a new account number and was told my offer would still be good. as of today it is not and, now they say i no longer qualify for the cash back bonus as the money transferred came from an already existing marcus account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I am submitting this complaint regarding the handling of a billing dispute by Citibank related to a {$2800.00} XXXX XXXX XXXX XXXX XX/XX/year>. 

This dispute appears to have been denied solely on procedural grounds despite my repeated good-faith efforts to cooperate, provide documentation, and comply with all requests made by the bank. 

Citis denial letter states that a request for additional documentation was sent on XX/XX/year>. I never received this letter. Because I was unaware that additional information was requested, I had no opportunity to respond within the timeframe Citi now claims applies. This communication failure was outside of my control. 

During the dispute process, I regularly monitored my account through the Citi mobile app and actively searched for a way to upload supporting documentation. No upload option or clear submission path was available. I made reasonable efforts to provide information through the channels available to me and submitted documentation as soon as I became aware it was needed. 

XXXX final response indicates the dispute is being denied because my documentation was received after an internal deadline, not because the merits of the dispute were fully evaluated. Denying a consumers claim due to a communication issue especially where the consumer did not receive a request and had no functional method to submit documents within the app raises serious concerns about fairness and transparency in the dispute process. 

I respectfully request that Citi : XXXX. XXXX an executive-level review of this dispute. 
XXXX. Reevaluate the claim based on the substance of the dispute rather than procedural timing caused by communication failures. 
XXXX. Provide clear explanation of how consumers are expected to submit additional documentation when no upload capability exists in the app interface. 
XXXX. Confirm what safeguards are in place to ensure consumers actually receive critical requests before their rights are time-barred. 

I have acted in good faith throughout this process and expect equal good-faith handling from the company. I am requesting regulatory assistance to ensure a fair review and resolution.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
" I am filing this formal complaint against CREDIT COLLECTION XXXX regarding account XXXX for {$50.00} ( Original Creditor : FRONTIER ). Under 15 U.S.C. 1692g and 15 U.S.C. 1681i, I demand FULL PHYSICAL VALIDATION. The company is reporting inaccurate, unverified, and derogatory information on my credit file without providing a single piece of evidence that this debt belongs to me. 

To date, they have failed to produce the ORIGINAL CONTRACT signed by me or the XXXX XXXX electronic audit logs required for federal compliance. This is a willful violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1681n, I am prepared to seek {$1000.00} in statutory damages for their non-compliance. I demand the IMMEDIATE AND PERMANENT DELETION of this collection from Experian, Equifax, and TransUnion. I do not accept any resolution other than full removal. No negotiations. ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
XXXX went to one main financial for signing loan documents the guy tried pushing death insurance on me and I told him with my illness they'll never approve it but he out it thru anyways. He also added unemployment insurance, XXXX insurance and auto- home insurance. Totaling {$1700.00} I got a letter from their company stating I was denied for death insurance and they would apply the refund and interest to my account they never did. 
Since I'm XXXX those other ones are worthless to me plus I've had XXXX for 7 years so none of them are relevant. 

The loan documents online are half in XXXX and only XXXX pages have my real signature the others have a generated signature. I know I did not sign those other papers they did it this way to hide their predatory fees. 

I called their company and they put my loan guy on the phone who became aggressive trying to convince me he told me about all this when he didn't and when I didn't back down he gave me a phone number and hung up on me. That is where my communication stopped I do not trust this company so how could I trust anything they do. 

I have been informed they are currently paying {$20.00} XXXX dollars for these exact deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.
State: TX

Complaint narrative:
this all started in XXXX of 2025 they have had my check since then they tried sending my check through XXXX and it was stolen or thrown out. or used by check washers. 
they have no phone to call them on same for the third party they tried sending to my boa regular account. 
now I am trying to get them to wire it there are major error in comunications I am giving up on XXXX I have developed mental illness after every one has ignored me

Company response to consumer: Closed with explanation