vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing this complaint due to violations of the Fair Credit Reporting Act ( FCRA ) by both the consumer reporting agency and the data furnisher.

I disputed inaccurate credit reporting with the credit bureau. The account was marked verified, yet no documentation or lawful method of verification was provided. Upon requesting the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), the bureau failed to comply.

Additionally, the furnisher continues to report inaccurate information, including charged-off accounts with balances, accounts sold without XXXX balances, and closed accounts that continue to update derogatory information.

These actions violate : 15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 failure of furnisher to correct inaccurate reporting I am requesting : Immediate deletion of the inaccurate tradeline ( s ) Written confirmation of correction A full explanation of how these violations will be remedied

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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
COLLECTION MANAGEMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research COLLECTION MANAGEMENT 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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

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 2026-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Figure Technologies, Inc
State: MA

Complaint narrative:
On XX/XX/year>, Figure Lending requested that I email sensitive information to them instead of uploading to a secure portal. They wanted the loan application from the bank that I was applying to so that they could subordinate my debt to the first XXXX holder. XXXX, a XXXX for Figure, agreed to take responsibility on behalf of the company if my identity was stolen and insisted that their email is secure. No email is totally secure and they need to have a secure portal to upload information such as social security numbers and dates of birth. They told me that unless I emailed them the information, they could not subordinate the debt. 

They are very disorganized and have multiple people in customer service answering the same emails so it's all very confusing. They ask for multiple documents repeatedly when they already have the information. They have delayed my closing on the refinance for over a month due to their inefficiencies and outdated methods. 

They finally today, XX/XX/year>, denied the subordination due to cash out to pay off credit card debt. So, all in all, the experience has been very frustrating and too long and involved and they should not be allowed to demand sensitive financial information over email. They need to put a secure portal in place to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-02-02 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I was contacted by XXXX XXXX XXXX from the XXXX, XXXX police department. He informed me that my personal information was used to open a bank account at Santander Bank in XXXX, XXXX. This account was used to carry out a crime by the deposit of a {$11000.00} " washed '' check. XXXX XXXX contacted Santander Bank to request the form of idenity required when the account was opened. Santander Bank did not require or verify the identity of the person ( XXXX ) opening the account. XXXX XXXX informed me that I was a victim of identity fraud and advised me to file a police report with my local police department in XXXX, XXXX. I filed that report on XX/XX/year>. 

Santander Bank reported this account to XXXX. I disputed the account through XXXX and provided the criminal incident number and contact information for XXXX XXXX. Within just a few days, Santander Bank responded to the dispute, confirming that the account was " verified '' to be mine. They did not perform a reasonable investigation, despite being provided with the incident number and contact information. 

I am in the process of opening a small business and was subsequently denied a business bank account by three banking institutions because of the XXXX report, filed by Santander Bank.

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 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I went to wells fargo bank on Sat morning to close my checking account. After having to wait, I was told by the branch XXXX in XXXXXXXX XXXX that there may be some outstanding items. XXXX are none that are legitimate This account in XXXX year has been hot so many times from my ID theft I really can not count. I have had XXXX debit card numbers. And even asked to change thr account number. They refused. The last theft of a small {$53.00} was denied. I have moved my banking and have all legitimate payroll, and debits moved. The balance is now by design below their service charge amount. 

I have spoken with customer resolution again to no avail. Can they reguse to close a bank account that I requested to get done?

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 2026-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
I applied for a loan modification with my lender, FCI Lender Services, due to a significant change in my financial circumstances. I am divorced and now relying on a single income. My current take-home pay is approximately {$5500.00} per month after taxes. Despite providing extensive documentation of my hardship and financial situation, FCI Lender Services offered me a loan modification with a monthly payment of approximately {$6000.00}. This offer is completely unrealistic and unreasonable, as it exceeds my entire net monthly income. 

I have made repeated efforts to work with the lender in good faith and have submitted numerous documents demonstrating my inability to afford this payment. However, the lender has refused to consider alternative options or further negotiations. I was also informed that FCI Lender Services does not have an ombudsman department or an appeal process, leaving me with no meaningful avenue to dispute or review this decision. 

As a result, I am desperately trying to come up with funds to make the payment solely to avoid losing my home. This situation has caused severe financial strain and significant emotional distress. I am seeking fair consideration, transparency, and a reasonable modification that reflects my actual income and financial reality. I am attaching the proposed modification as well as the hardship letter I provided FCI.

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 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
Security Breach, Identity Theft, and Failure to Validate Debt Description of Incident : I am writing to formally complain about XXXX regarding account [ Account Number, if known ]. I am a survivor of XXXX  XXXX, and my personal information was compromised by my XXXX. 

Despite notifying XXXX via email on XX/XX/year> that this debt is disputed and resulted from unauthorized access, they have failed to take corrective action. Specifically : Security Failure : XXXX allowed my XXXX  to call in, impersonate me, and change my personal account information. This is a gross violation of data security protocols and has enabled further financial abuse. 

Identity Theft & Coerced Debt : The charges on this account were incurred or modified without my effective consent due to coercion and identity theft. I have notified XXXX of my status as a XXXX  XXXX victim. 

Failure to Validate : I requested " Proof of Sale '' and a full validation of the debt. XXXX has failed to provide the required documentation to prove they have the legal right to collect this specific debt from me.

Credit Reporting Violations : XXXX continues to report this fraudulent/coerced information to the credit bureaus ( XXXX, XXXX, XXXX ) despite being notified of the dispute and the underlying identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
I inadvertently scheduled a transfer to pay my XXXX XXXX XXXX on the same day ( XX/XX/year> ). My checking account and XXXX  loan are with the same bank and all appear under " My Accounts '' on my online banking. When I noticed the error I immediately called ( XX/XX/year> ) and requested that XXXX of the payments be reversed. They reversed my payment today ( XX/XX/year> ) on my XXXX loan but never refunded my account with the money. I spent XXXX mins on the phone with the bank to find my money and NO ONE could tell me where it was. I was asked for my phone number, was told I would be called back after they " looked into it '' and then I was promptly hung up on.

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 2026-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC
State: SC

Complaint narrative:
Sunlight Financial partnered with a scam solar company, called XXXX XXXX from Utah ( now out of business ) and used deceptive sales tactics to sell me a residential solar system financed by Sunlight Financial, back in XXXX XXXX. The installation caused damage to my roof ( just replaced 3 months prior ) and solar panel system overheated my home 's main breaker and almost caused a fire. XXXX attempted to fix the issues, main breaker was replaced and roof was patched but the leak still persists. Solar Panels did not work when first turned on a year later. XXXX promised to fix the problem and led me on until XXXX when they went out of business. 
I have since been calling Sunlight, repeatedly, asking for resolve. They sent a new solar company that told me about all the customers in SC and NC that were scammed by the solar company and how the loan company/originator is actually legally obligated to fix these issues and if they do not is is breach of contract. I opened multiple cases with Sunlight about the concerns of roof damage, the unfunctional solar system, and asked for an itemized, line item by line item, breakdown of the amount used to calculate the loan total so I can see what part of the funds were used for labor, materials, fees, interests, and profit to the parties involved. All they gave me was a long document with one line item with the total of loan, zero itemization. After reviewing the loan amount balance with a person familiar with the industry, I was told I was exorbitantly overcharged the type of system I have, the loan should have been for about {$25000.00} total, not {$72000.00}, for all labor, materials, fees, interest, and profits to parties involved.

Now I feel as though Sunlight Financial is part of the scam, so I continued to call them for payment deferments since XXXX and begged for the warranty repairs to occur due to the poor installation. The system STILL does not produce any power and my roof is STILL leaking.

Sunlight has failed to have a Relationship Manager reach out to me multiple times, even though they promised someone would reach out. I would call a few days later to fine out my case was closed without explanation and no attempt to reach me. That is pure negligence, and I refuse to continue to be scammed by Sunlight Financial.

Now they are trying to take me to collections and have already issued a complaint with the collection agency.

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 2026-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
My mortgage servicer improperly caused and charged a property tax penalty due to an escrow payment error for my XXXX XXXX XXXX property taxes. 

The total XXXX tax bill was {$6800.00}. The servicer paid only {$3100.00} from escrow on XX/XX/XXXX, leaving a large unpaid balance. Although sufficient funds were available in my escrow account, the servicer failed to pay the full amount by the statutory deadline. 

The remaining balance was not paid until XX/XX/XXXX, which caused a tax penalty and interest of {$250.00} to be assessed by XXXX XXXX. That penalty was then paid from my escrow account. 

The servicer claims that the penalty is my responsibility because a corrected tax bill was mailed to my property address. However, under RESPA and CFPB servicing requirements, escrow servicers are responsible for monitoring, reconciling, and paying corrected or supplemental tax bills. Whether a bill was mailed to the borrower does not transfer liability. 

I also contacted the servicer when I received the tax bill and was advised that it would be handled by them and that no action was required on my part, which I relied on in good faith. 

I have repeatedly requested reimbursement and a written explanation. The servicer has provided incorrect justifications and missed multiple promised response deadlines. I am requesting reimbursement of the {$250.00} penalty and acknowledgment that this resulted from an escrow servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: FL

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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>, my PayPal account was compromised and used to initiate multiple unauthorized transactions through pre-approved payments/autopay. The activity occurred in rapid succession within a short time window and involved XXXX merchants : XXXX XXXX and XXXX XXXX. 

The transactions were not authorized by me, were not initiated by me, and were not connected to any goods or services I received. Several charges were for identical or near-identical amounts, indicating automated or scripted activity rather than normal account use. 

The transactions initially appeared as pending and did not fully post to my bank accounts until several days later, which delayed full visibility across accounts. Once discovered, I immediately secured my PayPal account, reported the activity, and contacted PayPal. 

Upon discovering the unauthorized activity, I immediately accessed my PayPal account and removed my linked bank accounts. This action stopped additional unauthorized transactions from fully processing. Two attempted transactions were subsequently placed on hold by PayPal and remain pending to date, demonstrating that prompt user action successfully prevented further losses once the activity was identified.

I opened multiple PayPal cases and provided detailed documentation explaining that this was a single unauthorized account takeover incident, not separate item not received disputes. I requested that PayPal consolidate the activity into one security investigation, confirm the existence and misuse of any autopay agreements, and explain how the transactions were determined to be authorized. 

Despite this, PayPal closed all cases individually in the sellers favor, did not provide investigative evidence, did not address the autopay abuse as a security failure, and did not explain why the activity was not treated as unauthorized account access. As a result, nearly {$1000.00} was withdrawn from my checking accounts, causing financial harm and business disruption.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I discovered an account reported by XXXX XXXX ( XXXX ) that I did not open or authorize. I have never ordered Spectrum services or agreed to open an account with this company. 

This account appears to have been opened using my personal information without my permission, and my Social Security number and identity may have been stolen. This constitutes identity theft under California XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am requesting an immediate investigation and full removal of this unauthorized account from my credit record and confirmation that I owe no balance. 

I am formally disputing this account and requesting permanent deletion of all records connected to this fraudulent account.

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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

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

Company response to consumer: Closed with explanation