vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: E Mortgage Capital, Inc.
State: NC

Complaint narrative:
I started the cash out refinance XX/XX/scrub>, 2025 with E Mortgage. I supplied all documents requested and some a few times after I had already sent. They told me to not make my next XXXX mortgage payments saying it would affect the payoff and closing. I ended up making the payments and XXXX showed late but not reported on my credit. I was on a XXXX way call with them, as my bank let them know it was not late and not reported on my credit. Next thing I hear from E Mortgage, is that my loan was denied because of this. Then they sent my loan to XXXX more lenders and each returned with a different reason. I had to pay for an appraisal and also had floors replaced per their request. They also pulled my credit XXXX times.I was always the one to reach out to E Mortgage to get updates. They have dropped the ball several times and I have texts and about XXXX pages of emails throughout this whole process. They tried to act like my credit was the problem, but they had ALL my credit information and accounts from day XXXX. This should not have taken XXXX months to get denied. I reached out to their credit agency and talked to a manager who advised me that all they needed to do was a phone call with my current mortgage and they would be proven my mortgage was not late. We did this and yet it still got denied. After speaking with this manager, I was made aware that this and other concerns are constant with E Mortgage. I was also told last by E Mortgage that they would go back to the first lender, then when I inquired a few days later, they said they weren't sending it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I never enrolled in Credit Protection on my Milestone credit card account issued by Concora Credit. This add-on product was placed on my account without my authorization and charged monthly. 

From XX/XX/XXXX through XX/XX/XXXX, I was charged at least {$100.00} in Credit Protection fees, including : {$10.00} on XX/XX/XXXX {$10.00} on XX/XX/XXXX {$9.00} on XX/XX/XXXX Additional monthly charges totaling {$74.00} from XX/XX/XXXX through XX/XX/XXXX Because the online system only allows access to the most recent XXXX statements, I can not view earlier statements. Since the fee appears consistently every month in the available statements, it is reasonable to believe the charges began earlier. 

After I contacted the company and disputed the charges, they stopped billing the fee. However, they are refusing to refund the previously charged unauthorized amounts. 

If the product was properly authorized, it would not have been removed upon request. The removal confirms that I did not knowingly enroll in this product. 

These are unauthorized add-on fees and constitute a billing error. 


I am requesting : A full refund of all Credit Protection fees ever charged on my account. 

Copies of all statements prior to XX/XX/XXXX. 

Written confirmation that Credit Protection will never be reactivated.

Confirmation that my account will not be negatively affected due to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a wig for {$240.00} using my XXXX card through Navy Federal Credit Union. The item was expected XXXX  arrive by XX/XX/year>. 

When it did not arrive, I contacted the merchant on XX/XX/year> regarding the delay. Tracking showed the package had been stuck in XXXX, TN since XX/XX/year>. I informed the merchant that I needed the item before leaving out of town on XX/XX/year> XXXX  would not be at my apartment address for approximately XXXX months. 

On XX/XX/year>, XX/XX/year>, XXXX  XX/XX/year>, I requested cancellation XXXX  a full refund due XXXX the shipping delay XXXX  because I would no longer be present at the delivery address. The merchant acknowledged my concerns but did not process a refund or deny my cancellation request. 

The package was later marked delivered at the end of XX/XX/year> after I had already vacated the apartment. No signature was required or obtained. The item was delivered XXXX  a multi-unit apartment complex with no proof of handoff XXXX  me personally. 

I did not receive, accept, or benefit from the merchandise, XXXX  it is not in my possession. 

I filed a dispute with Navy Federal Credit Union for XXXX not received XXXX  cancellation prior XXXX  delivery. The dispute was denied after the merchant submitted tracking showing delivery. The bank relied solely on delivery confirmation without signature or proof of cardholder receipt. 

I am requesting XXXX XXXX XXXX XXXX XXXX investigation XXXX  determination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have disputed this account with the creditor and the credit reporting agency. They will not remove this account form my credit report. They saying the account have been verified but no have provided me with any information on how they verified this account. 
I disputed on XX/XX/year>, XXXX, XX/XX/year> The credit reporting agency has this account status as closed and the account is not mines, I have requested for this account to be deleted multiple times, because I did not authorize this account nor did I open this account. 

Creditor : LVNV FUNDING Account Number : XXXX Amount Reported : {$960.00} Creditor : XXXX XXXX XXXX Account number : XXXX Amount Reported : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Sequium Asset Solutions have been harassing me since XX/XX/scrub> 2025 they do not know my address the telephone number that they gave you is wrong they do not know my email address they do not know my home address it says that it is a rental debt where is the judgment from the judge that said that I owe this debt you have to prove of all of that where is the proof XXXX by XXXX of what I owe legally owe and the debt is already paid so where do I owe you guys stop harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC 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 non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
HELVEY ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research HELVEY ASSOC 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
On XXXXXXXX XXXX I noticed multiple charges on my M & T Bank account were returnedfirst my IRS tax deposit, then credit card paymentstriggering return fees and chargeback penalties. When I called, the bank told me my account had been frozen since around XXXXXXXX XXXX because my information was " outdated '' and flagged as a potential risk or fraud. They never notified me beforehand about the potential frozen account if my information wasnt updated and I couldn't find any policy in their online terms, app, or mailed docs that explained what " outdated information '' means or how it triggers a freeze. 
I spent days calling, in contact with their customer service department only to be told I had to " verify '' details and there is nothing they could do. I capitulated and have them my information but the damage was done. I had returned fees, missed my IRS tax deposit and basically the whole process felt humiliating : begging reps to unlock my money while fees piled up, all because M & T decidedwithout warning or clear rulesthat I was a risk. This caused real hardship : missed tax deposit deadlines, late payments, and overdraft charges I can't afford. 
The reality is that when your money is frozen with no heads-up, no transparent policy, just a sudden lockout that wrecked my finances and dignity, you never want to do business with them again, however I am waiting again for my deposit. This is humiliating. I would like this never to happen again to anyone for failure to provide information based upon loose policies and procedures. Please investigatewhy the freeze, why no notice, and why their " risk '' / fraud excuse wasnt backed by anything I could see. 

Thank you for your 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 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
" I deposited a check on XX/XX/XXXX ( XXXX 's XXXX ). Under XXXX, {$270.00} should have been available on XX/XX/XXXX ( XXXX XXXX XXXX ). It was not. The Bank XXXX told me they can hold all of it ; they can not. Furthermore, the bank placed a hold with no specific reason provided, violating XXXX ( g ). ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
My XXXX  passed away XX/XX/year>. After her death I was notified of different accounts, cards XXXX  utilities taken out in my name that I wasnt aware of nor did I approve. These accounts have my name but I have XXXX XXXX names these accounts only have XXXX of my XXXX  names. Ive live at the same address of XXXX XXXX XXXX XXXX  XXXX Mo XXXX since I was XXXX old. I can send in my XXXX  death certificate XXXX  obituary if needed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
I requested XXXX  removal in early XX/XX/XXXX. XX/XX/XXXX I receive a letter that XXXX can not yet be removed due to needing XXXX % XXXX and XXXX  years seasoning per XXXX XXXX requirements. This is incorrect per XXXX XXXX  requirements as I'm using the ORIGINAL VALUE of the home XXXX  not the CURRENT VALUE of the home. For XXXX  removal for XXXX XXXX  loans, I only need XXXX  % XXXX based on original original value for my XXXX unit property. I called Planet Home Lending XX/XX/XXXX XXXX  am not sure they will remove XXXX  so I am here. 
My loan amount is currently ~ {$170000.00} with an original property value of {$250000.00}. My loan began XX/XX/XXXX XXXX  my XXXX  payment was XX/XX/XXXX so I haven't even had XXXX months on this mortgage. I will also be sending a written request by email XXXX  Planet Home Lending requesting mortgage insurance XXXX  be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Address is XXXX XXXX XXXX CT XXXX XXXX " I have already updated my information with the creditor and they do not have this address on file please remove it from my credit report '' I have never resided at, received mail at, or had any legal association with the above-listed address. 
The open account associated with this address was opened fraudulently without my knowledge, consent, or authorization. 
I did not apply for, sign for, or give permission to anyone to open this account in my name. 
I am formally requesting : Immediate removal of the disputed address from my credit file. 
Immediate removal and blocking of the fraudulent open account.

A full investigation pursuant to the Fair Credit Reporting Act ( FCRA ) 605B. 
Written confirmation once the corrections have been completed. 
I have attached copies of my government-issued identification and proof of my correct current address for verification purposes. 
I affirm under penalty of perjury that the information contained in this affidavit is true and correct to the best of my knowledge. 
Signature : ___________________________________________ Printed Name : XXXX XXXX XXXX ____________________

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not own or control these accounts ; they must be removed within XXXX  days per XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ DATA XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA XXXX is a debt collector. They are falsely reporting on my credit!! Account number is IQXXXXis 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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I asked XXXX  verify this debt in writing they never did so, also asked for the amount this debt was they couldnt verify an never got anything mail in asking under law for this XXXX  be removed from my credit report l.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified XXXX  does not belong XXXX  me. Despite my attempts XXXX  resolve this matter by contacting XXXX the collection agency XXXX  the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account XXXX  demand that you provide verifiable proof of ownership XXXX  the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response XXXX  the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TSI/XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TSI/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 2026-02-18 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: TX

Complaint narrative:
I am filing this complaint regarding Citibanks handling of my credit card billing dispute Transaction Information : Transaction Date : XX/XX/XXXX Amount : {$8500.00} Merchant : XXXX XXXX ( XXXX, XXXX ) What Happened : In XX/XX/XXXX, I filed a billing dispute with Citibank after discovering issues related to services received in this transaction. The nature of the services required follow-up evaluation, which resulted in delayed discovery of the issue. 

In XX/XX/XXXX, Citibank requested additional documentation based on merchant 's response. I promptly provided detailed written evidence, including doctor 's notes. 

In XX/XX/XXXX, Citibank closed the case stating that the merchant was not contacted in a timely manner. Citi recharged me the totoal amount of {$8500.00} XXXX submitted additional documentation explaining the delayed discovery under XXXX XXXX XXXX In XX/XX/XXXX, citibank responded that they tried to get the credit from the merchant, but the merchant would not issue the credit and they can not help Then I formally requested that Citibank escalate the dispute to XXXX network pre-arbitration review. From XX/XX/XXXX through XX/XX/XXXX, I received no update regarding my pre-arbitration request. 

In XX/XX/XXXX, Citibank issued a final letter stating that the merchant refused to issue a credit and that the charge was considered valid. The letter did not address my request for XXXX pre-arbitration, did not confirm whether the case was submitted to XXXX, and did not provide an explanation for denying escalation. 

My Concern : Citibank did not clearly explain : Whether my pre-arbitration request was submitted to XXXX. 
If not submitted, the specific XXXX rule or regulatory basis for denial. 

The final response appears to rely solely on the merchants refusal to issue a credit rather than demonstrating that a reasonable investigation was conducted as required under Regulation Z.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA I had a XXXX XXXX come up missing for XXXX. I called they saw the error it would fixed. Then I reported my insurance as being to high and they agreed and fix and offered me dividends and gave 1 moth free and reduced my insurance {$170.00}. Then I requested a battery jump because my car would not start. The next day my insurance ack up to XXXX. I had 2 cars in storage at a rate of XXXX. I dropped one car and thought it would reduce by XXXX it did not it reduced by {$77.00} and I kept asking wheres the rest. They increased rate back to 3 cars I have 1 car working and the isnt. 
The banker found my {$6000.00} and said their was more but she needed a manager and the called was lost different rep different answer. My daughter was in car accident. That was fraudulent because the person lied about injuries. XXXX XXXX was paid XXXX. And her son had no injuries I visited him in the hospital and the young man was her boyfriend pretending to be in high school. His name is XXXX XXXX. And the sheriff department proved that it was fake. XXXX county sheriff dept. He had no injuries. The bank even acknowledged they needed there money back from me not her. I did not receive a dime and my daughters were both injured.

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