vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
This complaint concerns a charged-off credit card account reported by DISCOVER. 

Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I discovered multiple material inconsistencies and inaccuracies in the reporting of this account, which violate the Fair Credit Reporting Act ( FCRA ). 

Specifically : The account is reported as Collection/Charge-Off on all three bureaus, yet the credit limit and high credit are inconsistently reported : TransUnion shows a credit limit of {$2000.00} and high credit of {$1400.00} Experian shows a credit limit of {$2000.00} but high credit of {$0.00} Equifax shows credit limit of {$0.00} but high credit {$940.00} Balance are {$0.00} and fully paid. But still shows as negative The account shows $ 0 monthly payment but is still reported as past due, which is contradictory.

The Date Opened and Last Reported dates also differ across bureaus, further demonstrating unreliable reporting.

These discrepancies indicate that DISCOVER is not reporting complete, accurate, or verifiable information, as required under 15 U.S.C. 1681s-2 ( a ) and ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
VANCEHUFFMANis falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMANis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requested full validation of the alleged debt. I asked to please provide the following documentation to verify that this debt is accurate, enforceable, and legally owed by me : 1. Proof of Ownership A complete copy of the bill of sale or assignment agreement from XXXX XXXX XXXX XXXX showing that XXXX XXXX XXXX XXXX XXXX purchased and now owns the specific debt referenced above. 
XXXX. Full Accounting A detailed statement showing how the amount of {$8800.00} was calculated, including the breakdown of principal, interest, and fees from inception to present.

3. Original Contract or Agreement A copy of the original signed credit agreement or account application bearing my signature.

4. Payment History All account statements or records from XXXX showing all charges, payments, and interest applied.

5. Verification of Authority Documentation showing that you are licensed to collect debts in the State of Georgia.

6. Verification of Reporting Confirmation of whether this account has been, or will be, reported to any credit reporting agencies, and if so, the date of such reporting. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed a {$940.00} charge with Capital One from XXXX XXXX XXXX XXXXXXXX dated XX/XX/year>. I was injured at their studio and provided multiple doctors notes over several months. The studio required these notes to freeze my membership due to my medical condition. My membership ended up being frozen for approximately XXXX  months. 

After an XXXX  and continued treatment, my doctor advised that I could no longer safely participate in XXXX. I informed the studio, and they cancelled my membership but refused to refund me. Instead, they told me I could gift the membership to someone else. 

I opened a dispute with Capital One and provided extensive documentation including emails and doctors notes. Capital One kept this case open for months. Every time I called for updates, I was told everything looked good and not to worry. 

After months of investigation and document requests, Capital One suddenly closed my case stating that disputes must be filed within XXXX  days of the charge. At no point during the months-long investigation was I informed of this timing rule. If my dispute was considered untimely, Capital One should have informed me immediately instead of keeping the case open and requesting sensitive medical documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit reports and discovered that XXXX, account ending in XXXX, is being reported with negative late payment remarks despite the account being open, current, and showing no past due balance. The account reflects an open status with current payment standing, yet derogatory payment codes continue to appear, which is internally inconsistent and misleading. This negative reporting does not accurately reflect the accounts present condition and unfairly suppresses my credit score. 

I formally disputed the late payment remarks, clearly explaining that the negative codes conflict with the accounts open and current status. Despite this, the credit bureau failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act. Instead, it relied on automated Metro 2 data responses from the furnisher without validating whether the late payment remarks were accurate, complete, or lawfully reportable. No complete payment history, no documentation substantiating the alleged late payments, and no proof of Metro 2 compliance were provided to justify continuing the derogatory reporting. 

I am a consumer directly impacted by the Equifax data breach and the XXXX XXXX XXXX breach, which raises serious concerns about the integrity and accuracy of the data being reported. Given these known breaches, the continued reporting of unverified negative remarks without strict validation is especially concerning. Reporting an account as open and current while simultaneously attaching late payment remarks creates a misleading credit profile and violates the FCRA requirement to maintain maximum possible accuracy. 

Despite receiving notice of the dispute, the bureau continued reporting the late payments without correction or deletion. This failure to properly investigate and correct inaccurate data constitutes noncompliance with FCRA 1681e ( b ) and 1681i, and it has caused ongoing harm by lowering my credit score and misrepresenting my payment behavior to potential creditors.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I submitted an application for a HELOC on XX/XX/XXXX with Navy Federal Credit Union. I submitted all requested document in a timely manner. I submitted my last document on XXXX XXXX, XXXX. I did not hear from anyone for XXXX whole weeks to only find out from another loan XXXX on XXXX  XXXX, that my application was closed out because it was over XXXX  days, when I had in fact submitted the requested documents before the XXXX  day expiration period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am filing this complaint against Rushmore Servicing ( my current mortgage servicer ) for charging an unauthorized and excessive prepayment penalty of {$15000.00} on my mortgage payoff quote dated XX/XX/XXXX ( Loan Number : XXXX, Property : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). 
My loan is a conventional fixed-rate refinance originated by XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Loan ID : XXXX ). The official Closing Disclosure ( dated XX/XX/XXXX, File # XXXX ) explicitly states in the " Loan Terms '' section : Prepayment Penalty : YES As high as {$15.00} if you pay off the loan during the first XXXX Years. 

This disclosure caps any prepayment penalty at a maximum of {$15.00} ( XXXX dollars ) for payoff within the first XXXX years. The Closing Disclosure is the binding final loan terms document under TILA-RESPA rules ( Regulation Z ), and lenders/servicers must honor it exactly. 
On XX/XX/XXXX, Rushmore Servicing provided a payoff quote good through XX/XX/XXXX, showing : Current Unpaid Principal Balance : {$370000.00} Prepayment Penalty : {$15000.00} Total Payoff Amount : {$390000.00} This {$15000.00} penalty ( approximately 4 % of the balance ) directly contradicts the Closing Disclosure 's {$15.00} maximum cap. It also likely exceeds federal limits under XXXXCFPB Regulation Z 1026.43 ( g ) for qualified mortgages ( most conventional fixed-rate loans like mine ), which prohibit or cap penalties at 2 % XXXX % XXXX % over the first XXXX years if allowed at all. Charging this amount appears to be an unfair/deceptive practice and a failure to comply with accurate disclosure requirements. 
I have contacted Rushmore Servicing ( customer service : XXXX ) to dispute this and request a corrected payoff reflecting the {$15.00} cap, but [ briefly note any response or lack thereof, e.g., " they have not resolved it '' or " they insist on the higher amount without explanation '' ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: MO

Complaint narrative:
Evidentiary Document : Denial of Bank Account Opening at US Bank Incident Summary This document serves as an evidentiary record of my attempt to open a new checking or savings account at a US Bank branch and the subsequent denial of this application without a clear, stated reason. 
Details of Attempt Date of Application Time of Application Branch Location Type of Account Sought US Bank Employee Name XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Checking XXXX West Application Process I arrived at the US Bank branch on the date specified and requested to open a non profit l bank account for the XXXX  XXXX XXXX XXXX. I provided all necessary identification and information as requested by the bank employee, including : Valid Photo ID Social Security Number Current residential address The process included the employee reviewing my information, and entering information into her computer Account Denial After a period of waiting, the bank employee, XXXX, returned and informed me that my application for a new account had been denied. 
Reason for Denial Given by Bank Employee : The employee stated that the denial was from the back end of US Bank and there was no reason given. She said On my end I am not able to open an account for you at this time Follow-up Questions and Responses : My Question : What specific information led to this denial? '' Employee Response : No specific information was provided, only that they could not open an account for me at this time. 
My Question : What steps can I take to resolve the issue and open an account? '' Employee Response : They just repeated that there was no reason given and in accordance with their policy they can terminate a relationship with anyone at any time for no reason. 

Evidentiary Material The following material is relevant to this claim : When I asked for documentation they just referred me to the deposit account agreement and the section that says Reasons for Termination of Relationship : U.S. Bank reserves the right to terminate a banking relationship or close an account for any reason or no reason at all. 

Next Steps I am submitting this document to the greater board for review Prepared by : XXXX XXXX Date Prepared : XX/XX/year>

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing this complaint because my financial institution has failed to provide assistance or a proper investigation into a sophisticated rental scam that occurred on XX/XX/XXXX. I responded to a XXXX ad for an apartment at XXXX XXXX XXXX, XXXX XXXX, PA. The individual, identifying as " XXXX XXXX, '' conducted a formal-looking screening process, including collecting my pay stubs and bank statements, and provided a signed lease. Under pressure and believing the lease was valid, I was directed to send {$1200.00} ( deposit and first month 's rent ) via [ mention if it was XXXX, XXXX, or Chime transfer ]. After the payment was made, the " landlord '' demanded an additional month 's rent not in the lease and then ceased communication, failing to show up for our meeting on XX/XX/XXXX. I immediately contacted Chime ( midnight XX/XX/XXXX ) and the XXXX XXXX Police ( Report Date : XX/XX/XXXX ) to report the fraudulent account. Despite my immediate reporting and the clear evidence of a " Business Email Compromise '' style scam, my bank has not [ mention what they didn't do, e.g., " reimbursed the funds '' or " provided a temporary credit '' ]. Since them I have filed multiple disputes with no support. I believe these accounts are being used for money laundering and that the banks involved have failed their " Know Your Customer '' ( KYC ) requirements and duty to flag high-risk, fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
My Credit worthiness decreased from XXXX to XXXX, making it impossible to secure house mortgage, or acquire apartment rentals. 
False loan debt of $ XXXX {$24000.00} damaged my Credit Out of nowhere Mohela pops up and never acknowlege documents from my teaching job that discharged and forgabe the debt because I was teaching full time in a impoverished School district in XXXX  for over XXXX  years. 
MOHELA never disclosed where my previous payments were applied and where the extra loans came from, or even acknowleged that the XXXX program was terminated amd no longer functioning.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Ok so my job didnt pay me for XXXX weeks I called capital one and my job told me that I was going to receive my pay the following week but I didnt receive anything for XXXX weeks and I called capital one and explained the situation what was happing and it was set on updraft and they decided to close account after the second week and failed to tell me about the hardship program and they also sent me a bass pro credit card the day before but they decided to close all my accounts and also a couple of weeks ago they sent me a new bank card and I cant use that either they closed that account also and I know from reading there policy that they do have a program for people who have hardships but failed to mention and according to what I was reading its suppose to be over XXXX before they close out your accounts not XXXX weeks I hope that you can shed some light on this for me ty

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: ID

Complaint narrative:
am filing a complaint regarding an unauthorized fraudulent transaction on my KeyBank checking account. The transaction posted without my authorization, and I immediately contacted KeyBank to report it as fraud. 

KeyBank opened a fraud claim and advised me that the case status is pending and assigned to a fraud case worker. However, despite clearly communicating that this situation is causing immediate financial hardship ( inability to pay rent and essential living expenses ), KeyBank has refused to provide provisional or temporary courtesy credit. 

I was told KeyBank may take up to XXXX business days before issuing provisional credit, with no consideration given for hardship or urgency, even though the transaction is unauthorized and under active investigation. 

Why this is a problem This refusal leaves me without access to my own funds while the bank investigates fraud that I did not cause. I requested escalation to a fraud claims supervisor and requested provisional or hardship credit, but KeyBank declined and cited internal policy rather than consumer protections. 

This delay is creating immediate and serious financial harm, including risk of late rent and inability to cover basic necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was set up on a repayment plan for my citi bank card, the amount was more than i could pay so i renegotiated with their team for {$120.00} a month. 

During this negotiation I was assured that the old payment plan was voided and I would only be charged for the new payment plan. 

However, I was charge the {$550.00} for the old payment plan again. After reaching out to citi bank and spending XXXX hours on the phone with support. the pending charge was reversed and I got another assurance that I would not be charged this amount again. 

Then on XX/XX/XXXX I was once AGAIN charged for the wrong amount of the payment plan, when live chatting or calling i am batted around from department to department until i was finally sent to a final department with a LONG wait. After waiting the I was told by their AI bot that there were no representatives available and that I would have to reach out another time

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am disputing a {$950.00} charge from XXXX Dermatology ( Claim # XXXX ) posted on XXXX holiday weekend and my birthday. I have not received services from this merchant since XX/XX/year>. All prior legitimate visits were fully settled through my insurance ( UMR ) and any remaining balances were paid in full out-of-pocket at the time of service. 

Chases dispute process is biased against consumers because the mobile portal imposes a XXXX limit, which prevented me from providing my insurance Explanation of Benefits ( EOB ) or explaining this complex timeline. Furthermore, Chase failed to trigger a fraud alert for this anomalous charge despite a history of flagging much smaller purchases. I was forced to handle this digitally while out of town, yet Chase denied my claim without providing the 'evidence ' they claim the merchant submitted.

Company response to consumer: Closed with explanation