vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
This agency has been calling me since last year after I informed them to please remove my contact information due to them contacting me during work hours and business hours. They were informed that at the times they were calling me, I needed to take time off of work to answer their phone calls, and reply back. After losing Work time due to them, not honoring or caring about the fact that they were interrupting and getting me in trouble at work, they continue to keep calling, and the worker, which was a female was upset that I was not answering the phone. The one I answered the phone to request a remove me from the list. She threatened to have my credit damage and that she would escalate it further on for the reason being that I did not want to cooperate with her. I asked to speak with her manager, and he didnt care either about it and they called me again during work this year. I have not received any emails or any other information in regards to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XXXX XXXX 2026 when I tried to used my debit to obtain my XXXX medication my card declined, I knew I had the funds available. So I immediately checked my account and was horrified when I saw my account was overdrawn due to XXXX FRAUDULENT CHARGES of {$99.00} each for a total of {$490.00} I immediately called SoFi customer service number and spoke to a XXXX. He stated that there was nothing that he could due. I was on my own. Being XXXX and in desperate need of life substaining medication I researched and notices the XXXX FRAUDULENT CHARGES was processed by a company called XXXX. I contacted XXXX and spent XXXX hour on the phone with a XXXX representative in the end XXXX issued and refund of {$490.00} for the XXXX fraudulent charges. I contacted My bank SoFi ask when I can expect to see MY stolen money back in my account so I can obtain my credically need medication. The SoFi representative XXXX stated the was nothing SoFi could do for me. Attached is the conformation from XXXX of the refund for the Fraudulent charges they processed XXXX XXXX | XXXX from XXXX : Hello, Thank you for bringing this matter to our attention, and we appreciate you reaching out promptly. After a careful review, we have processed a refund for the transaction ( s ) in question. The funds have been returned to your original payment method. Depending on your bank or financial institution, it may take a few business days for the refund to appear on your statement. If you have any additional concerns or need further clarification, please dont hesitate to contact us. Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding a rental property management company at XXXX XXXX XXXX in XXXX XXXX, Louisiana, involving inaccurate reporting of an alleged balance, failure to maintain habitable living conditions, and refusal to provide proper documentation to validate the account. During my tenancy, the property was not maintained in a livable condition. The air conditioning system was non-functional during extreme heat conditions, creating unsafe and unlivable temperatures inside the unit. This issue was properly reported ; however, the landlord/property management failed to repair the system within a reasonable timeframe, if at all. As a result of these conditions, I was effectively forced to vacate the unit for health and safety reasons. I completed a move-out process, returned my keys, and the move-out was agreed upon. Despite this, the company later attempted to report or pursue an alleged balance. Additionally, after vacating the unit, I experienced further concerning conduct from the same property management company, including attempts to place me into another unit that was in unacceptable condition, including visible unsanitary conditions ( including animal waste present in the unit ), and attempts to push forward lease agreements on properties that were not properly maintained. I also believe there are discrepancies and potentially falsified or inaccurate internal records being used to justify the alleged balance, as no complete or verifiable ledger, maintenance history, or itemized breakdown of charges has been provided despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I purchased an " XXXX XXXX XXXX XXXX XXXX from XXXX for {$110.00} on XX/XX/year>, and it was cancelled on XX/XX/year>. I checked my bank statement, and there was no record of the transaction being made, and my money is lost somehow, and no one seems to know where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company
State: NH

Complaint narrative:
I received a letter XX/XX/XXXX indicating that I did not have home insurance in XXXX. My monthly mortgage payments include home insurance. I can prove that not only did I have insurance in XXXX, but they paid it out of my escrow. When I called them in XXXX I argued- well, if you paid it out of my escrow in XXXX, you had the insurance binder to pay it from? I received a second notice in XXXX. I sent back their notice with a copy of the Homeowners policy for XXXX. They left a voicemail. I called the number and got someone in XXXX. I could NOT make out a word they were saying. In XXXX I sent a second copy of the Homeowners policy with a letter to them and told them to fix the issue and that I was unsuccessful with telephone communication. By this time my insurance company sent me a refund check for the XXXX Homeowners insurance, WHY??? The mortgage company screwed up. Now instead of them taking the blame for screwing up they are charging me a current rate of {$1700.00} annually and taking that out of my payment monthly. It has been XXXX letters now. If they want to fix their screw up the escrow payment for insurance should be based on the original amount of {$780.00}. That's what it was in XXXX, that's what they paid out of my escrow in XXXX. It is now XX/XX/XXXX and they have yet to call me back, or send an updated letter with their corrections from the mistake they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am disputing the accuracy reported by Exeter Finance LLC, The account reflects a repossession and a charge-off ; however, the reported deficiency amount has not been properly verified. I requested verification of the account, including the original agreement, repossession records, sale documentation, and a full accounting of the balance, including how the charge-off was calculated. This information has not been adequately provided. The continued reporting of the of this account without proper verification is inaccurate and misleading. The balance, account status, and reporting details must be supported by complete documentation. I request that Exeter Finance LLC provide full documentation supporting the reporting or delete the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that XXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: GA

Complaint narrative:
I am a XXXX XXXX on a fixed income reporting {$7000.00} in fraud and gross negligence by Citibank. The Theft : The agreed-upon price for the merchandise was XXXX XXXX XXXX ( approx. {$350.00} USD ). However, the merchant intentionally processed the charge as {$7000.00} USD. This is a blatant 'decimal point fraud ' and a 2,000 % overcharge. The Coercion : I was physically blocked from exiting the storefront by XXXX men and coerced to complete the transaction under duress by an individual impersonating a XXXX XXXX XXXX ( 'XXXX XXXXXXXX ' ) He provided a fake XXXX digit phone number that ( XXXX XXXX ) that is technically impossible to dial. Negligent Investigation : Citibanks dispute team incorrectly identified this as a 'hotel room charge ' at a hotel where I never stayed. They have ignored my near perfect credit history, that reflects XXXX late payments, low credit utilization and XXXX public notices or collections. As a XXXX, I have never charged merchandise over {$500.00} and I pay for all purchases in full monthly. The only balances I carry on credit are for emergency XXXX or household emergencies. Harassment : Despite an ongoing 'Executive Review, ' Citibank is hounding me daily for $ XXXX in late fees. I demand an immediate provisional credit of {$7700.00} and that Citibank be ordered to cease collection harassment. ''

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 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX and/or the associated collection agency regarding an alleged rental debt that I do not owe. I completed my lease agreement in full and vacated the property with no outstanding balance. Despite this, a collection account has been placed on my credit report. I have never been provided with a detailed ledger, accounting, or validation of this alleged debt, despite requesting documentation. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation of the debt and cease collection efforts until such validation is provided. Additionally, reporting an unverified and inaccurate debt to credit bureaus may violate the Fair Credit Reporting Act ( FCRA ). I am requesting the following : Immediate removal of this collection account from my credit report Full written validation of the alleged debt, including a complete ledger and lease-based justification of charges Investigation into the improper reporting and collection practices I dispute this debt in its entirety and request that all collection activity cease until proper validation is provided. I have also attached proof of my lease agreement, communication from XXXX XXXX confirming my move out on XX/XX/XXXX, Proof of my deposit, confirmation of XX/XX/XXXX paid rent, and email communication of me asking for proof of the debt from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I am filing a complaint against Midland Credit Management and its attorneys regarding improper and potentially unlawful debt collection practices. The company pursued a lawsuit against me in small claims court without proper service of process. The affidavit of service states that service was made on an individual who does not reside at my address and was not authorized to accept service on my behalf. No identification was verified. Despite raising this issue before and during the hearing, the court allowed the case to proceed. The Plaintiff relied on documents that did not clearly establish ownership of the alleged debt, including a generic bill of sale and an affidavit based on third-party records rather than personal knowledge. The documentation submitted did not include a clear chain of ownership linking my specific account to Midland Credit Management. I believe these actions violate the Fair Debt Collection Practices Act, including misrepresentation of the debt and use of improper or misleading documentation. I am requesting that this matter be reviewed for compliance with federal and state debt collection laws, and that appropriate action be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' GMFNANCIAL - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lending Hand Mortgage, LLC
State: TN

Complaint narrative:
I was working with a loan officer to purchase a home with a scheduled closing date of XXXX, XXXX, XXXX. I was initially told I would qualify for down payment assistance as a first-time homebuyer. Prior to the original closing date, I was informed that the seller needed additional time due to work still being completed on the home, which led to the first extension. About one week before closing, I was then informed I needed approximately {$8000.00}, which was unexpected and contradicted prior guidance. I signed an extension with a deadline of XXXX, XXXX, XXXX. After this date, I continued communicating with my loan officer through calls, texts, and emails, and was led to believe the loan was still being processed and that additional time was being allowed. At no point was I informed that the transaction had ended or that the seller had moved on. I relied on this communication and continued working toward closing in good faith. I later discovered that the seller had already moved on to another buyer as of XX/XX/XXXX, but I was not informed of this at the time. I continued communicating with my loan officer for approximately XXXX weeks after this date under the impression that the transaction was still active. Because I relied on incorrect and misleading guidance from my loan officer, I lost {$2500.00} in earnest money. If I had been properly informed, I would have taken steps to avoid this financial loss. I am requesting reimbursement of my {$2500.00} due to this situation.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Debt Buying Consultants, LLC
State: CA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as PORTFOLIO XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that PORTFOLIO XXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a victim of a long-term romance scam involving XXXX transfers through my bank account. I met the individual in XXXX and developed a personal relationship over time, including in-person meetings in XXXX and XXXX XXXX XXXX Based on this relationship, I trusted the individual and sent money upon repeated requests between XXXX and XXXX via XXXX. The total amount sent is approximately {$68000.00}. The individual used the name XXXX XXXX XXXX also XXXX XXXX ) and provided phone numbers including XXXX and XXXX. He claimed to be based in XXXX XXXX and involved in political and cryptocurrency-related business activities. The payment pattern involved occasional repayments to build trust, followed by larger requests for money. In XX/XX/XXXX, the individual claimed his office had been raided due to a cryptocurrency investigation and changed phone numbers. On XX/XX/XXXX, he stated he was traveling to XXXX XXXX to manage assets and has not been reachable since. I contacted my bank to report this as fraud and requested investigation, recovery options, and tracing of the XXXX transactions. However, I have not received clear information or resolution. I believe I was deceived into sending these funds under false pretenses and request that the bank fully investigate this fraud, attempt to recover the funds, and take action against the recipient account associated with these transactions.

Company response to consumer: Closed with explanation