vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
File this on the CFPB portal first. This triggers federal oversight and forces a documented, timely response from both companies. Under " product, '' choose " Credit reporting '' and then " Credit reporting company '' to target TransUnion. 

Subject : Formal Complaint : Willful FCRA Violations by TransUnion and XXXX XXXX XXXX XXXX - Reporting of Fabricated " Not Mine '' Collection Account Narrative : I am filing a formal complaint regarding egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX and TransUnion. 

XXXX. The Core Violation - Reporting a Fabricated Debt : XXXX XXXX XXXX XXXX is reporting a collection account on my TransUnion credit file. This debt is not mine. I have no knowledge of this alleged obligation, never received services, never signed any contract, and never received any validation notice from XXXX XXXX. They have furnished fundamentally inaccurate information in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX. TransUnion 's Failure to Conduct a Reasonable Reinvestigation : By reporting this account, TransUnion has failed its duty under FCRA 1681i to maintain reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ). A basic review would show this account does not belong to me. Their automated systems constitute a " sham investigation, '' a practice the CFPB has penalized in recent actions against other bureaus. 

XXXX. The " Reinsertion '' & " Re-Aging '' Threat ( If Applicable ) : If this account was ever deleted and came back, ADD this paragraph : This account was previously deleted from my file after a prior dispute. Its reappearance without the mandatory XXXX notice required by FCRA 1681i ( a ) ( 5 ) ( B ) is an illegal reinsertion. Furthermore, the dates on the reinserted account appear altered ( " re-aged '' ), illegally extending the reporting period in violation of FCRA 1681c ( a ). This pattern constitutes willful non-compliance.

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 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
I tried to call my old loan servicer XXXX to get my 1098 from earlier in 2025 prior to my mortgage being transferred and they refused to provide it. They said they couldn't find my information and my loan number was not pulling anything up. XXXX refused to help me or transfer me to someone else. I told her I was logged into my account and could see previous 1098s but not for 2025.

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 2026-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
The bank changed the name of the mortgage company. We try to submit a modification packet every month, but the bank continues to decline by asking for a 6-month profit and loss statement, which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us, and we update the packet every month, and all they do is look for reasons to decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2026-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BlueChip Financial
State: CO

Complaint narrative:
I took out a loan with XXXX without fully understanding the terms. 
I later realized that all my payments are being applied only to interest and none to the principal. 
This loan is abusive and predatory. 

Despite making payments, the principal balance is not reduced at all. 
I have revoked ACH authorization with my bank to stop further withdrawals. 

I am requesting : 1 ) A full review of my loan 2 ) Reduction or removal of excessive interest 3 ) A fair payoff amount that applies to principal 4 ) Written confirmation of loan resolution I believe this loan structure is unfair and designed to trap consumers in ongoing debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
I am submitting a formal complaint regarding Newrez Mortgage Servicing 's unauthorized change to my communication delivery preferences. 

Beginning in XX/XX/year>, I started receiving monthly paper payment confirmation statements in the mail. Prior to XX/XX/year>, I did not receive any paper payment confirmations, and I did not request or authorize this change. 

When I contacted Newrez customer service, I was told that billing statements, escrow statements, and 1098 forms can be delivered electronically, but that payment confirmations default to paper. However, Newrez 's electronic communications disclosures do not clearly state that payment confirmations can not be delivered electronically. This change was implemented without my consent or clear notice. 

This unwanted paper mail creates unnecessary inconvenience, waste, and confusion especially since I previously received electronic communications only. I have specifically requested removal of paper payment confirmations, but have been told this may be a " policy '', which conflicts with my prior account history.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I paid the full statement balance displayed on my Citibank credit card account in the amount of {$9800.00}. After the payment posted, the account reflected a {$0.00} balance. 

Despite the account showing a XXXX  balance, Citibank later assessed {$73.00} in interest on XX/XX/year>, creating a new balance due. This interest charge was not clearly disclosed at the time payment was made, and the XXXX balance reasonably indicated that the obligation had been satisfied. 

I contacted Citibank multiple times to dispute the charge and request clarification and a courtesy credit, including through in-app chat, phone escalation, and social media customer support. Citibank provided a general explanation of how interest accrues under its policy, but did not address the issue of the account displaying a {$0.00} balance after the full payment. I was advised that the interest charge would not be waived, that there would be no written response, and that if the amount was not paid by the due date, additional interest would continue to accrue. 

To avoid further interest and potential account impact, I paid the {$73.00} under protest. My concern is not that interest exists under policy, but that the account showed a XXXX balance after full payment which reasonably indicated the balance was satisfied and did not clearly communicate, in a manner understandable to a reasonable consumer, that additional interest would still be billed despite the account reflecting a {$0.00} balance. 

I am requesting a refund or credit of the {$73.00} interest charge and improved disclosure practices so consumers are not shown a XXXX balance when additional interest will still be billed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received an derogatory remark in the amount of ( $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for an XXXX account that was resolved with the company ( XXXX ) in XXXX XXXX I have not received any calls from " JEFFERSON CAPITAL SYSTEMS , LLC '' nor received any sort of notification in the mail to prove this debt being owed. I am requesting that " JEFFERSON CAPITAL SYSTEMS , LLC '' to provide me proof and or information for the debt owed for this account. 

Notice : Sending an letter of an bill is not valid proof debt being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MT

Complaint narrative:
I contacted PHH Mortgage company on XX/XX/year> that my Veteran 's status had been changed to Service XXXX, and requested a refund of my previously due at signing of the mortgage a {$5300.00} roughly VA XXXX XXXX Fee. I had a XXXX claim in at time of signing in XXXX. Now that my XXXX status has changed, I am to receive the refund of the feel. I was hoping to get this refund before XXXX... 
I have maintained contact with PHH over the last 66 days and they keep thinking I am asking about a Tax amount change refund from my escrow account. 
I have messaged and called many times and have never spoken to anyone that seems to have an inclination about mortgages or my issue, I have asked to have my issue elevated and it takes weeks to get a response, and then they ask for more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On JXXXX XXXX XXXX XXXX, my Chase account was charged approximately {$540.00} for an order I placed with XXXX. The merchant stated the item would take approximately 46 months to arrive, but I never received it. 

I submitted a claim with Chase regarding this transaction. Chase initially issued a provisional credit, but later reversed it, leaving my account negative {$400.00}. 

In addition, I have noticed unfamiliar charges from XXXX on my account, which occurred before I had an XXXX account, including all transactions before XX/XX/year>. These charges have not been resolved by Chase. 

I was under XXXX XXXX XXXX at the time of the first transaction and did not receive the purchased item, nor did I authorize the XXXX charges. Chase told me they could not take action due to a XXXX liability period, despite my minor status and the fact that I did not receive the item or authorize these transactions. 

I am requesting that Chase refund all unauthorized or undelivered charges, remove the negative balance, and waive any fees related to reversed credits or unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize this account, and it appears to be inaccurately reported on my credit file.

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 2026-01-29 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo continues to claim that the signatures on right to cancel documents is legit. We are disputing this document and all other redacted documents provided by Wells Fargo. We stand by these documents where never signed by us and requested {$6000.00} for overpayment of this property be refunded.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
So I got some emails on sun XX/XX/XXXX about XXXX  disconnecting from all my apps I got like XXXX emails in a row which has never happenedthen I got an email saying the withdraw of {$4900.00} was cancelled which I never tried to withdraw anything then I was scared someone was trying to take the money out so I went and withdrew it to my bank account.finding out the next day that the hackers deleted my bank account which was XXXX XXXX  and I have hundreds of withdraws to the same bank and they withdrew it to a XXXX XXXX  ending in XXXX the next day I called XXXX  and they froze my account and they said it will take a couple days for the claim to go through which I dont understand why they couldnt reverse the transaction because it was pending for XXXX  daysXXXX  XX/XX/XXXX the claim got denied saying everything looked good on there side which it wasnt because now all bank accounts were deleted off XXXX XX/XX/XXXX I filed an appeal and still waiting I would like for them to actually look into seeing all the bogus emails I got and {$5800.00} gone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Account # : XXXX Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. And is there Bill of sale A forward flow agreement Unbroken verifiable valid chain of title from the original creditor where the money originated from XXXX violation of not doing arbitration Lack of standing not having all information needed to move forward with case 15 usc 1692 g Full detailed list of the payment history Original signature on the contract Has there been any insurance claim found on this account on this debt Chain of title PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I opened a line of credit with CreditFresh for {$1500.00}. 
I have paid approximately {$450.00} so far, yet my balance has increased to over {$1600.00}. 
Most payments are applied to recurring billing cycle fees rather than principal, causing the balance to grow despite consistent payments. 
I believe this structure is unfair and misleading, and I am requesting a review of how payments are applied and whether fees can be reduced or waived so I can reasonably pay off the account. 

Theyre only applying XXXX  % of my payments to the principal. I spoke over the phone to them & no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
On XX/XX/year>, my wife booked an XXXX  flight with Chase XXXX via phone for our family ( XXXX passengers, including an infant ) from XXXX to XXXX. The total cost was {$4700.00}. 

We received a confirmation email ( attached ) with Trip ID XXXX and a XXXX Confirmation Code XXXX. This email explicitly stated the itinerary was " CONFIRMED '' and we saw a pending charge on our credit card account. 

Subsequently, the pending charge dropped. Upon calling Chase XXXX, we discovered that due to a significant internal agent error, our booking had been incorrectly placed in the account of a different, unrelated Chase customer who shared my first and last name. This stranger was given control over my family 's travel data and subsequently canceled my confirmed itinerary. 

This situation represents a severe data privacy breach and a failure to honor a confirmed contract by Chase XXXX. We have spent over XXXX hours on the phone across multiple departments ( XXXX, XXXX, XXXX XXXX ), where several agents admitted the error was internal. The highest level of phone support refused to honor the original fare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to National Credit Adjusters. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect National Credit Adjusters to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a CD account with the XXXX XXXX XXXX of XXXX XXXX the bank got bankrupt XXXX XXXX  ago and was transferred to Chase bank, I did not get any statement of my account for more than XXXX XXXX, until I checked my CD account that was now in chase XXXX  months ago and find out that my CD account now contains only XXXX XXXX When I asked them what happened to XXXX $ missing from my account they provided me with sequence of withdraws that non of them were by me. they said they can not find out who did these withdraws because they were taken between XX/XX/XXXX to XX/XX/XXXX, from XXXX XXXX XXXX they can not provide me any information regarding the withdraws. But during these times I got statements from the XXXX XXXX XXXX telling me that I had over XXXX $ in my CD account. I will appreciate if you can help me to find out how to proceed

Company response to consumer: Closed with explanation