vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I opened an XXXX XXXX business checking account and shortly after, the account was restricted while an XXXX transaction was still pending. The XXXX was later returned, resulting in a negative balance after previously deposited funds were used before the return was processed. While the account was still restricted and prior to closure, I made multiple attempts to resolve the negative balance, including sending wire transfers to pay the full amount of {$1500.00}. All payment attempts were rejected or returned. I contacted multiple departments within XXXX XXXX to obtain payoff or payment instructions, but I was repeatedly informed that there is no system or process available to accept payment or provide settlement instructions for the charged-off balance. Despite continuous attempts to resolve the issue, the account was charged off on XX/XX/year> in the amount of {$1500.00} without providing any viable method to pay or settle the balance. As a result, negative reporting was added to ChexSystems and Early Warning Services, preventing me from opening accounts at other financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I made XXXX mortgage principal payments of {$50000.00} each to XXXX Mortgage in XX/XX/year> prior to the servicing transfer of my mortgage loan to Rocket Mortgage. The payments were received and applied by XXXX Mortgage on XX/XX/year> and XX/XX/year>. The servicing of my mortgage loan was transferred from XXXX Mortgage ( now Onity Mortgage ) to Rocket Mortgage on XX/XX/year>. After the servicing transfer, I discovered that approximately {$100000.00} in transferred funds had not been properly reflected or applied to my mortgage account with Rocket Mortgage. I contacted Rocket Mortgage multiple times regarding the issue. On XX/XX/year>, Rocket Mortgage informed me in writing that they had contacted the prior servicer and were waiting for the payment funds to be remitted. However, on XX/XX/year>, I received a formal written response from XXXX Mortgage confirming that the escrow and suspense funds totaling {$100000.00} had already been transferred to Rocket Mortgage by wire transfer on XX/XX/year>. XXXX Mortgage also provided the wire transfer reference number associated with the transfer. Despite this confirmation, Rocket Mortgage still has not properly applied the transferred funds to my mortgage account and has continued stating that they are waiting for the prior servicer to send the funds. This issue has now continued for nearly XXXX months since the wire transfer and has caused significant stress and concern regarding the status of my mortgage account. I am concerned about excess interest charges, improper account balances, potential late payment reporting, and possible damage to my credit caused by delays outside of my control. I have documentation supporting the payments, transfer timeline, and wire transfer confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2026-05-14 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 am submitting this complaint regarding inaccurate and fraudulent information that continues to appear on my consumer report despite my previous submissions and supporting documentation. Pursuant to XXXX XXXX. XXXX of the Fair Credit Reporting Act, I am again demanding the immediate blocking and permanent removal of these accounts resulting from identity theft. I previously submitted an FTC Identity Theft Report along with proof of identity and supporting documentation. Under federal law, once a consumer provides a valid identity theft report, consumer reporting agencies are required to block the reporting of fraudulent information. However, despite my compliance and submission of all requested documentation, the inaccurate accounts remain on my credit file. This matter is causing ongoing financial harm, emotional distress, and damage to my creditworthiness. I dispute any ownership, responsibility, or authorization connected to the accounts listed below. I did not open, authorize, benefit from, nor participate in the activity associated with these accounts. Please be advised that this is not a duplicate dispute. This is a continued demand for compliance under the FCRA due to your failure to properly block fraudulent information after receiving sufficient identity theft documentation. Failure to comply with the requirements of XXXX XXXX. XXXX and XXXX ( b ) may constitute negligent or willful noncompliance with federal law. I am requesting an immediate reinvestigation and permanent blocking/removal of the following fraudulent accounts from my credit report : Accounts in Dispute : * XXXX XXXX XXXX Account Number : XXXX * XXXX XXXXXXXX Account Number : XXXX I have already provided supporting documentation including : FTC Identity XXXX Report Government-issued identification Proof of address Supporting records related to the fraudulent activity Because these accounts resulted from identity theft, they must not continue to be reported, verified, or reinserted without full compliance with the Fair Credit Reporting Act, including proper certification and notice requirements under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). I expect these fraudulent accounts to be blocked and deleted immediately. Please provide written confirmation once the removals have been completed.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC regarding a disputed debt they are currently furnishing to consumer reporting agencies. On XX/XX/year>, I sent Jefferson Capital Systems LLC a formal written debt dispute and validation demand via certified mail. XXXX was confirmed on XX/XX/year>, and I retain proof of mailing and delivery. In my written correspondence, I specifically requested documentary written substantiation of the alleged debt, including : Proof that I am legally obligated to pay the alleged debt Name and address of the original creditor Complete itemization of the amount claimed, including principal, interest, fees, and charges Documentation establishing Jefferson Capitals legal authority to collect, including assignment documentation / bill of sale Documentation identifying my specific account within any transfer A copy of any agreement or instrument bearing my signature evidencing the original obligation Despite confirmed receipt of my written dispute and documentary validation demand, Jefferson Capital has failed to provide the requested written documentation while continuing collection activity and furnishing this alleged debt to consumer reporting agencies. I dispute the accuracy, validity, and substantiation of this account. This raises concerns under : 15 U.S.C. 1692e false, deceptive, or misleading representations in debt collection 15 U.S.C. 1692e ( 8 ) communicating credit information without properly reflecting that the debt is disputed 15 U.S.C. 1692f unfair or unconscionable collection practices 15 U.S.C. 1681s-2 ( a ) furnisher obligation to provide accurate information I demand the following resolution : 1. Immediate written documentary substantiation of the alleged debt ; 2. Immediate written proof establishing Jefferson Capitals legal authority to collect this specific account ; 3. Immediate cessation of collection activity while this account remains formally disputed and unsubstantiated ; 4. Immediate deletion of this tradeline from all consumer reporting agencies if Jefferson Capital can not provide the requested written documentary proof ; 5. Written confirmation that the account has been marked as disputed with all reporting agencies ; 6. Written confirmation of all corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2026, I contacted Citibank via Live Chat to permanently close my account ( ending in XXXX ). The representative, " XXXX, '' subjected me to a lengthy, time-consuming process. I was forced to jump through multiple administrative hoops, including filling out an " Address Capture '' form and verifying my phone number. It was only after I spent a significant amount of time completing these mandatory steps that the agent informed me he could not actually close the account today. I was simply told to " come back later. '' The stated reason for the denial was a pending {$4.00} transfer. I explicitly told the agent I did not care about the transfer and asked them to cancel or override it to close the account immediately. They refused. I am deeply concerned this is an intentional " exhaustion tactic '' designed to keep the account open long enough to trigger another monthly service fee. Furthermore, when I realized they were forcing the account to remain open, I asked for a chat reference number, a session ID, or an email confirming that I attempted to close the account today. The agent flatly refused to provide any documentation or proof of my request. I am filing this complaint because Citibank is creating unreasonable, time-wasting barriers to account closure and refusing to document customer requests, effectively trapping consumers in fee cycles. I am requesting that this account be closed immediately and that Citi be barred from assessing any monthly maintenance fees from XX/XX/2026, onward.

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 monetary relief
Consumer complaint received 2026-05-14 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: FL

Complaint narrative:
I am formally disputing two collections being reported by Midland Credit Management that have still not been properly verified, despite multiple attempts on my part to resolve this through the credit bureaus. At this point, this situation is extremely frustrating because I have followed the proper dispute process and allowed more than enough time for investigation, yet I continue to receive responses that do not meet the legal standard for verification. Midland is claiming these accounts are verified, but they have failed to provide any real, documented proof that these debts belong to me. I have not been given any signed contract, agreement, or documentation showing that I personally opened or authorized these accounts, nor have I received any complete account records that clearly link me to these debts. Simply matching my name or address is not sufficient proof, as that information is easily accessible and does not confirm ownership. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a proper and thorough investigation and legitimate validation of any debt reported under my name, which has not been provided here. I can not afford to continue waiting while inaccurate or unverified information damages my credit. Therefore, I am requesting a full and proper investigation along with complete documentation proving I am responsible for these accounts, and if this can not be provided, I expect the immediate removal of both collections from my credit report without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
I am disputing an alleged debt being reported by Jefferson Capital Systems XXXX for XXXX. I first became aware of this account through my credit report. I did not receive any written notice from Jefferson Capital Systems LLC regarding this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g ( a ). On XX/XX/XXXX, I called Jefferson Capital Systems LLC after seeing the account reported. During that call, I updated my contact information and was told that documentation regarding the debt would be mailed to me. I never received any documentation. On XX/XX/XXXX, I mailed a formal written dispute and request for debt validation. In that letter, I requested proof of the original creditor, the total balance owed, an itemized breakdown of charges, documentation showing I was legally responsible for the debt, proof of assignment to Jefferson Capital Systems LLC, and a complete payment history. I also requested that the account be marked as disputed and that all collection activity stop until proper validation was provided. Jefferson Capital Systems LLC did not respond. On XX/XX/XXXX, I mailed a final notice demanding validation or deletion of the account from all credit reporting agencies. I gave them XXXX days to respond and advised that failure to validate while continuing to report the debt may violate federal law, including 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e ( 8 ). As of XX/XX/XXXX, I still have not received any validation or response, and the account continues to be reported on my credit report. I am requesting immediate deletion of this account from all credit reporting agencies, written confirmation of deletion, and that all collection activity cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
Purchased a XXXX XXXX XXXX XXXX in XXXX and used ally bank for the loan. Paid the car off in late XXXX. Upon paying off the loan I was told the title/lean release would be mailed to me within 10 business days. I did not receive my title/lean release. I called ally bank again in early/mid XXXX to request the title/lean release again. We verified mailing address multiple times and I was again assured I would have my title within 10 business days and again did not receive my title. I called again in XXXX XXXX to request title again and again was assured I would receive in 10 business days and again did not. They will only mail or fax titles. I went today ( XX/XX/XXXX ) to sell vehicle today and again had to call them to request title/lean release be faxed to dealership so I could sell. I was told it would be another 2 business days to fax. I shouldn't have to call a bank once never mind multiple times over 2 years begging for the title of a car I own. This should be an automatic thing that happens upon paying off a car loan. Once my loan was paid off ally bank completely deactivated my account with them so I couldn't even log in to view payoff 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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

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 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 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
Per FDIC : " XXXX XXXX, which implements the USA PATRIOT Act, requires each bank to adopt and implement risk-based Customer Due Diligence policies, procedures, and processes for all customers, including understanding the types of transactions in which a customer is likely to engage. As part of those procedures, each bank should review customers and their transactions at account opening and more frequently throughout the relationship, including source of funds and transaction patterns. The account monitoring helps to mitigate the banks compliance risks and assists in identifying unusual or potential suspicious transactions. '' if each bank should do it per FDIC, then if XXXX XXXX is doing jut that another bank can not declare it " unusual activity '' and apply any restrictions because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> around XXXX XXXX I received a call from " XXXX '' with the number XXXX on my caller ID with a bank impersonator claiming to work for the fraud department and FDIC. They said there was suspicious activity happening on my account through XXXX and multiple of my accounts were being compromised. They had all my personal information including my SSN, they guided me to verify it and stated the amounts on each of my accounts from XXXX different bank institutions including my checking account with Bank of America. They said in order to stop the XXXX transactions from going through they had to transfer my money to a safe guarded account while they conducted the investigation. They had me verbally authorize the transaction but I did not receive any phone calls, sms text message codes or email the entire call from any of MY banks. I was transferred to another " fraud '' department and back to the original scammer, The call was XXXX hours long, I finally became skeptical after telling my wife what was going on on the other line and I rushed to my local Bank of America in XXXX, XXXX. The agent filed a claim for fraud and said they would try to recall the wire transfer. I contacted my other bank over the phone and they submitted the claim as account takeover since they were able to bypass the verification process. About XXXX days later I got an email that my claim was denied and closed by BOA. I spoke to XXXX at my local branch again and she said " they '' had done the claim incorrectly as fraud and it should have been account take over. A new claim was submitted and " escalated '', a few hours later I received another automated email stating the claim was denied because the investigation shows an authorization code was sent to device linked to my account. I have called back and tried to get more information or speak to a supervisor and no one has been responsive to dealing with the fact I have lost my entire savings over a social engineering scam and failure to protect and verify my identity. I have read similar cases all over the internet, social media and forums on how frequent this keeps happening and every time BOA has been the least responsive on their investigations ... unless you are lawyered up or lost a significant amount i.e the case from XXXX of a XXXX women with almost XXXX XXXX dollars gone because BOA failed to follow laws and protect her. {$3600.00} might not be alot for some people not even {$13000.00} but these were my life savings at this point and I've lost everything. I will keep filing complaints until this is resolved and use every avenue, form, email, phone number I can to make sure this does not continue to happen to ordinary people like me or anyone.

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 monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Ever since my student loans were transferred over to Nelnet, I have not been able to have access to make payments. I have called customer support line, and try to recover my information on their website. Endless times over the course of close to a year. Every single time I have errors on the website, and I have no response with tickets, or the ability to speak with a human on the phone. With that being said, I finally submitted a feedback complaint with FXXXX and Nelnet called me from a different phone number. The phone number that they gave me allowed me to speak with someone and I was able to recover my account. It's insane to me that it took a year, and an XXXX complaint to get a hold of somebody to fix my account which was only a simple phone number mix up. With that being said, having not being able to make a payment for a year has trashed my credit and I want help removing the missed payments.

Company response to consumer: Closed with explanation