vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marauder Corporation
State: TX

Complaint narrative:
Request debt validation immediately and removal of all negative items items associated with with this account from all XXXX credit bureaus immediately

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint regarding a sign-up bonus discrepancy on a Citi / AAdvantage Platinum Select credit card that was incorrectly assigned at the time of account approval. 

I applied for this card on XX/XX/XXXX, using an individualized in-flight promotional code ( code XXXX ) that was handed to me by an XXXXXXXX XXXX XXXX XXXX during a flight from XXXX to XXXX on XX/XX/XXXX. The promotional brochure clearly advertised a sign-up bonus of XXXX AAdvantage miles  after {$1000.00} in qualifying purchases within the first XXXX months of account opening. I entered the personalized code printed on the brochure at the time of application and was approved prior to XX/XX/XXXX. 

After receiving my card, I discovered that my account instead reflects a different sign-up bonus : XXXX miles after {$2500.00} in spend. This does not match the offer I accepted at the time of application. 

I contacted Citi on XX/XX/XXXX, after noticing the discrepancy and was instructed to email XXXX. I did so that same day and attached photographs of the front and back of the in-flight brochure showing the handwritten promotional code. On XX/XX/XXXX, Citi generated a letter stating that the offer could not be adjusted because it was not name- and address-addressed and that a new generic online bonus offer could not be applied to an existing account. 

This response mischaracterizes my request. I am not asking to apply a new or generic offer to an existing account. I am disputing that the incorrect sign-up bonus was assigned at the time my account was approved, despite my use of a valid individualized in-flight promotional code. 

In-flight promotional offers are not mailed or emailed by design. They are distributed directly to passengers by authorized XXXX XXXX flight attendants and rely on unique individualized codes rather than name-addressing. Citi accepted this code at the time of application, and I applied in good faith based on the clearly stated terms. 

I made multiple follow-up calls and emails, including on XX/XX/XXXX and XX/XX/XXXX, requesting escalation to Citi Executive Response or Compliance. Despite spending over an hour on the phone, no escalation occurred, and I was advised to wait XXXX or XXXX billing cycles, even though the offer discrepancy existed from the date of account approval. 

I have deliberately not used the card for any purchases while this dispute is unresolved, to avoid acting under incorrect promotional terms. 

I am requesting that Citi honor the originally advertised in-flight promotional offer and correct my account to reflect the XXXX sign-up bonus after {$1000.00} in qualifying purchases.

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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Complaint against PayPal , Inc . Authorized Payments Made Under Deception and Failure to Protect Consumer Between XX/XX/XXXX and XX/XX/XXXX, I transferred approximately USD XXXX ( possibly more ) through my PayPal account to a merchant operating under the names XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX All payments were processed through PayPal XXXX 

Although the transactions were initiated by me, they were made based on fraudulent misrepresentations and deceptive assurances from the merchant. I was repeatedly told the services were legitimate and that I could withdraw my funds at any time. 

In XX/XX/XXXX, the merchant suddenly blocked all withdrawals, gave inconsistent explanations ( including new geographic restrictions that had never previously applied ), and effectively deactivated my account. I permanently lost access to my funds. 

I filed disputes with PayPal for services not received and fraud. PayPal refunded only a small portion of the transactions ( mainly from XX/XX/XXXX onward ). The rest were denied only because of PayPals internal time limits, not because the merchant was considered legitimate. 

Despite clear warning signs blocked withdrawals, account deactivation, and deceptive conduct PayPal continued processing large payments to this merchant over a long period. 

PayPal later stated there was no unauthorized activity because I made the payments. This ignores the key issue : these were authorized payments induced through deception and fraud. 

I believe PayPal failed in its responsibility to : monitor and manage high-risk merchants intervene when fraud indicators appeared protect consumers from ongoing financial harm I am requesting an independent review of PayPals handling of this matter and a fair resolution, including recovery of the remaining unreimbursed funds. 

I am a XXXX resident. This form required a U.S. address to proceed. PayPal , Inc. is a U.S.-based company. 

Supporting documents are available upon request. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I received the first email from Capital One Venture stating I need to submit additional paperwork to complete the credit card application. I immediately called the customer service line and spoke to someone who said they would help fix the problem. I thought it fixed, but still froze my credit with the XXXX major bureaus. I figured it must have throw out a pre-approval letter they had sent me and someone took it out of my garbage. Again on XX/XX/XXXX I received another email from capital one that I was again denied for the same credit card and application ( Which I could submit for evidence ). Thankfully I had previously froze my credit but I am worried that who ever has this pre-approval letter in their possession will continue to try to open the card until Capital one fully closes that pre-approval letter or at least flag the code connected to the letter. And by pre-approval letter I mean the mail credit card companies send you in hopes you will open a card with them. And the most frustrating part about this is someone is trying to open the credit card in my maiden name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I disputed an alleged debt with Contract Callers, Inc. and requested lawful verification. In response, the company provided only a billing statement and a final bill, which did not establish consumer authorization, service delivery, accuracy of the balance, or authority to collect.

In its response, Contract Callers , Inc. admitted that verification of the debt remains pending and has not yet been received from the creditor. Despite this admission, the company maintains the account in a reportable status and asserts that reporting is permissible while verification is incomplete.

Additionally, Contract Callers , Inc. has not demonstrated that it is properly licensed or authorized to collect consumer debt in the State of New Jersey as required by the New Jersey Consumer Finance Licensing Act ( N.J.S.A. 17:11C-1 et seq. ). Public licensing records reviewed by the consumer do not reflect active New Jersey authority to collect debt. When licensing was challenged, the company asserted compliance but did not produce New Jersey-specific licensing documentation. 

Under New Jersey law and federal consumer protection standards, a debt collector must be properly licensed and must establish lawful authority before engaging in collection or furnishing activity. Re-sending billing statements or a final bill does not cure the absence of completed verification or demonstrated licensing authority. 

I am requesting regulatory review to ensure compliance with federal law and New Jersey consumer protection statutes, including debt collection licensing and accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My mortgage servicer is reporting late payments on my credit report for the Month of XX/XX/XXXX This information is inaccurate. 
Account Name : JPMCB HOME Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Reported : {>= $1,000,000}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MMG Law Group, PLLC
State: IL

Complaint narrative:
I dont no what this loan is. My XXXX XXXX had all my information and admitted to doing it after our divorce

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: NC

Complaint narrative:
I am not affiliated with NATIONAL CREDIT SYSTEMS I, and I only acknowledge XXXX XXXX XXXX XXXX XXXX as the original creditor. I feel they sold my account to a collection agency without properly informing me, which is definitely a violation of my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MI

Complaint narrative:
I use cash app and in XX/XX/XXXX and XX/XX/XXXX I received emails stating that my eligible purchases have given me " XXXX XXXX ''. Meaning I can use the borrow feature, XXXX, and have a higher over draft limit. Each month I made purchases over {$500.00} making me eligible each month. I have emails from Cash App stating I met the requirements. To no avail in XX/XX/XXXX and XX/XX/XXXX I haven't been able to use either product and XX/XX/XXXX was supposed to carry into XX/XX/XXXX and XX/XX/XXXX into XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: IN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of all student loan accounts serviced and/or reported by MOHELA from my consumer credit reports.

MOHELA is currently the subject of ongoing class action litigation and federal scrutiny for, among other violations, refusing or failing to properly process lawful student loan discharges, mismanagement of borrower accounts, inaccurate reporting, and servicing misconduct. These allegations directly impact the credibility, accuracy, and legality of any information MOHELA is furnishing to consumer reporting agencies.

Due to the seriousness of these issues, any data currently reported by MOHELA is unreliable, unverified, and materially inaccurate, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to : Reporting information that can not be verified as accurate Failure to properly process discharge requests Failure to maintain reasonable procedures to ensure maximum possible accuracy Continued reporting while accounts are legally disputed and under investigation I dispute the entire accuracy, validity, and legality of all MOHELA-reported tradelines. If MOHELA can not produce documentary proof of accuracy, including but not limited to : -The original MPN or master promissory note with my original signature on it.

Proof of lawful authority to service the debt Proof of proper processing of any applicable discharge Complete payment history with source documentation Evidence of compliance with federal servicing requirements then continued reporting constitutes willful noncompliance under the FCRA.

Accordingly, I demand the following : 1. Immediate deletion of all MOHELA student loan accounts from XXXX, XXXX, and XXXX  2. Written confirmation of deletion 3. Cessation of all reporting and collection activity related to these accounts Failure to comply will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and pursuing all available legal remedies.

This letter is sent without waiver of any rights, and all rights are expressly reserved.

I expect written confirmation of deletion within 30 days of receipt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/year>, I transferred {$1200.00} from my Capitol One Savings account to my Capital One Checking. I then used the built in XXXX feature on the capital mobile app to initiate a XXXX transfer to my landlord for the {$1200.00}. The payment was pending for almost 2 weeks. I called my bank on XX/XX/XXXX XXXX to determine why the XXXX  was still pending. I spoke to a representative ( XXXX  ) who initiated the cancellation of the XXXX  on her end. She confirmed the money would be in my account within minutes. We disconnected but I never receeived the funds back into my account. I then called by bank again on XX/XX/XXXX and the rep confirmed they opened an investigation. I asked for something for my landlord and they said they could not. It has been a month with no response from my bank, nor has my {$1200.00} been returned to my account. I then reached out to then banking commission because I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: WI

Complaint narrative:
b"Sorry if I didn't fill this hour correctly. I got hurt at work and was off for XXXX XXXX. I just started a new position working from home due to permanent limitations. I'm behind on everything. Reginal finace has laughed at my situation, call XXXX XXXX XXXX XXXX and is now charging my bank accout without my consent for XXXX XXXX I started work on XXXX and I'm going through hell and being brought to court by XXXX  other company's and this happening is gonna make me lose the house I'm XXXX XXXX behind on and make me lose the job I just got so I won't be able to pay anyways instant of wanting to get paid that I'm trying my hardest to do they want me in bankruptcy."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Company- One Main financial. My ex wife got a loan in my name after our divorce. I dont no why but it was not authorized. She knew all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
Complaint was filed on XX/XX/XXXX, complaint ID : XXXX. I called the company on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ( twice ). Company stated they needed to close tickets before a refund check could be issued, the ticket close date was initially set for XX/XX/XXXX then pushed back to XX/XX/XXXX. Per UWM, they could only mail checks via regular postal services and no expedited services were offered. Per UWM, they issued check on XX/XX/XXXX, stopped on XX/XX/XXXX and called to notify of stopped check on XX/XX/XXXX. I received refund check on XX/XX/XXXX for {$3900.00} in an unsealed envelope and deposited same day. UWM left a voice message requesting a phone call back on XX/XX/XXXX at XXXX after checked was deposited, no details were left in the voice message regarding an incorrect amount or that check should not be deposited ; voice message only stated that they are requesting a call back from me. I called on XX/XX/XXXX to confirm automatic payment details but no information was provided regarding stopped check or call back from XX/XX/XXXX. XX/XX/XXXX I called UWM regarding stop payment on check and was informed that the check was stopped due to being the incorrect amount and another check was issued on XX/XX/XXXX. No compensation for stop check fee from the bank was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
My Discover credit card account was placed on hold and subsequently closed around XX/XX/XXXX due to a time-limited identity verification request. Discover has stated that the verification involved confirming my name and income, but I was never successfully notified in a way that allowed me to respond. 

On XX/XX/XXXX I contacted a Discover representative and they informed me that they attempted to contact me by email and phone, and that a letter was mailed but returned by the post office. Because I did not successfully receive notice, I was never given a meaningful opportunity to complete the requested verification before the deadline expired and my account was closed. 

This account was my first-ever credit card, opened when I turned XXXX. I am now XXXX XXXX XXXX, and the closure of my oldest and foundational credit account has caused disproportionate and lasting harm to my credit profile, including my credit age and overall creditworthiness. 

my income is approximately {$100000.00} annually. The verification issue was not related to fraud, misuse, or nonpayment, but rather an administrative compliance request that could have been resolved had proper notice been delivered. 

I am requesting an executive-level review of this closure, documentation of the attempted notifications, and correction or reinstatement of the account or its credit reporting. Closing a consumers first credit account without successful notice or an opportunity to verify basic information is a procedural failure that has had serious financial consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am filing a complaint regarding a lender-created post-closing error in connection with my mortgage refinance. 

During my refinance, the refinancing bank manually altered the official payoff letter received for my prior loan. That alteration directly caused a {$10000.00} payoff shortage, which was discovered after closing. 

The payoff letter is a binding document. By manually editing it, the refinancing bank assumed responsibility for its accuracy. The resulting shortage is therefore a lender-created clerical error, not a borrower error. 

Despite this, I have been asked to address the {$10000.00} shortage after closing. I dispute any borrower responsibility for this amount. I did not authorize any alteration of the payoff letter, nor did I agree to assume liability for a lender-caused defect. 

This is a post-closing compliance issue caused solely by the refinancing banks actions. Any cure must be handled internally by the lender and must not increase my loan balance, require additional funds from me, or involve signing any corrective documents that assign liability to me. 

I am requesting that the lender : Cure the {$10000.00} payoff shortage at no cost to me Confirm in writing that I have no financial responsibility for this error Ensure my loan remains in good standing with no adverse reporting I am concerned about improper attempts to shift lender liability to the borrower and am requesting CFPB review and assistance to ensure this matter is resolved in compliance with federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: MIDFIRST BANK
State: OH

Complaint narrative:
Someone tried to open a CD with Vio bank at XXXX on XX/XX/year>. I received 3 verification emails from Vio bank. Once the fake account was verified {$500.00} would be sent from truist bank to vio bank in my name

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