vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 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: NC

Complaint narrative:
A collection account from IC Systems for an alleged XXXX XXXX ( XXXX ) balance was added to my credit report in XX/XX/year>. 

I dispute this account as inaccurate. All XXXX equipment associated with this account was returned at the time service ended, and no balance was owed. Despite this, a collection was placed and reported without proper verification. 

Because no valid debt existed, there was no permissible purpose to furnish or report my personal information to a third-party collection agency. The reporting of this account has caused unwarranted damage to my credit profile. 

I am requesting that XXXX XXXX review their equipment return records, correct their internal account balance, and recall the collection from IC Systems. I am also requesting that IC Systems cease collection activity and delete this account from all credit reporting agencies due to a lack of validation and inaccurate reporting.

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 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CW Financial
State: NC

Complaint narrative:
Loan company calls repeatedly about XXXX times per day. I applied for another loan and these people got my number.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
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: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
To Whom It May Concern, This correspondence serves as formal notice of an unauthorized loan application and credit inquiry initiated by PennyMac without my consent. 

On XX/XX/XXXX, I contacted PennyMac solely in response to repeated refinance solicitation mailers sent by your company regarding a mortgage for which PennyMac acts as the servicing agent. During that conversation, I explicitly questioned the accuracy and source of the figures represented in those mailers. I was repeatedly told that no information could be provided other than a disclosure. At that point, I clearly and unequivocally stated that I was not authorizing any application, disclosure, credit inquiry, or further action, and I ended the call. 

Despite this explicit denial of authorization, PennyMac subsequently : Initiated a loan application, Distributed loan-related disclosures, Sent repeated follow-up communications over the last ten days, and Pulled my credit without my authorization. 

This conduct is unacceptable and potentially violative of federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and RESPA servicing and solicitation standards, as well as general prohibitions against unauthorized credit activity. 

Let me be clear : I did not authorize a loan application. 
I did not consent to any credit inquiry. 
I did not approve the issuance of disclosures or loan documentation. 

I hereby demand the following actions be taken immediately : 1. Written confirmation that all loan applications, disclosures, and related files have been permanently closed and withdrawn. 
2. Written confirmation that no further credit inquiries will be made, and that any credit inquiry already performed has been corrected, withdrawn, or addressed in accordance with applicable law. 
3. Identification of the individual ( s ) involved in initiating unauthorized activity. 
4. Assurance that my information will not be used for any further marketing, solicitation, or loan activity without my express written consent. 

Failure to resolve this matter promptly and in writing will leave me no choice but to escalate this issue through formal regulatory channels, including the Consumer Financial Protection Bureau ( CFPB ) and other appropriate oversight bodies. 

I expect written confirmation of resolution within XXXX business days of receipt of this notice. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
I opened a checking and savings account with Citibank in XXXX XXXX in XXXX at a branch located opposite the XXXX XXXX XXXX  hotel. I opened both accounts at the bankers instruction. 

In XX/XX/year>, Citibank closed both accounts without providing any reason. At the time of closure, my balances were approximately USD XXXX in my checking account and USD XXXX in my savings account. 

Citibank sent me a check for USD XXXX corresponding to the savings account balance. However, the USD XXXX from my checking account was never returned and remains missing. 

Since XX/XX/year>, I have contacted Citibank numerous times by phone and visited the branch twice in person. Each time, I am transferred between agents and told to wait XXXX hours for an investigation, but no resolution or explanation is ever provided. This has continued for over XXXX year. 

I currently reside overseas, which makes repeated phone calls and branch visits extremely difficult. Despite this, Citibank has still failed to return my funds or explain what happened to the USD XXXX. 

I am requesting that Citibank immediately locate and return my missing USD XXXX and provide a written explanation for why these funds were not returned when the account was closed.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UMB FINANCIAL CORPORATION
State: NM

Complaint narrative:
As a long-standing customer, with a personal checking account in good standing and no recent overdraft history, I encountered a one-time delay in a scheduled transfer posting in early XX/XX/year>. This caused my balance to go negative, triggering XXXX 's {$36.00} per-item overdraft fee ( daily cap of XXXX fees ). 

Initial wave : XXXX fees ( {$210.00} ). I called customer service, explained it was a single timing issue, and received a courtesy refund of XXXX fees, showing XXXX recognized the extenuating circumstances. 

I had done an emergency XXXX day transfer as soon as I realized I had over-drawn to cover the overdraft, but because the fees did not appear in my account or balance until the next day, I did not know such a large sum was about to be taken out of my account, and it caused another series of overdrafts. 

Cascade effect : The bank 's posted fees ( which only showed up the next day after I did an emergency transfer to cover the overdraft ) further depleted the balance, directly causing a second wave of XXXX fees ( {$140.00} ) on pending transactionstotaling XXXX fees ( {$360.00} ). This " domino '' scenario unfairly compounded a single problem. 

Second call : I explained the direct link ; they refunded only XXXX fee and misleadingly suggested visiting a branch for better results. 

Branch visit : XXXX XXXX said branches have LESS authority and were confused why I was advised that, and said they probably only refunded XXXX on the phone because there is a XXXX cap, which the phone agent did not mention, and advised another call ( no formal branch appeal exists ). 

Final call : I explained the situation fully, the agent said he was a XXXX, and declined to refund the remaining XXXX fees ( {$100.00} ), citing guidelines. 

Summary : XXXX charged : XXXX fees ( {$360.00} ) Courtesy refunded : XXXX fees ( {$210.00} ) Remaining : XXXX fees ( {$100.00} ) Key points : Isolated incident ; bank 's fees caused the cascade ; inconsistent/misleading guidance wasted time ; full waiver would align with fair practices and CFPB focus on preventing excessive/cascading overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
This FHA loan has 3 parties, my parents and I. They are the primary and secondary mortgage loan holders while I am the third. I have tried many times to access the account with Freedom mortgage to ensure payments are being made, cover any escrow shortages, and address anything else that may happen. They explained there can not be 3 account holders, they don't see me as an account holder, and refused to provide any account access. This has happened multiple times on attempts to gather said info. I am a responsible party to this account but I don't have access to any information to ensure the account is satisfied monthly and kept up to date, why would I not have access like my parents do? Freedom Mortgage is reporting this loan to my credit report but I have no access or control over the account. How is this allowed. I am being set up for failure.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I was the victim of a scam where someone pretended to be Bank of America. I received a text message and then a phone call warning me about supposed fraudulent activity on my account. The caller sounded legitimate and claimed they were trying to help protect my money. Based on what I was told, I was instructed to move {$1000.00} into my XXXX XXXX  account to secure the funds, and I did so believing I was following my banks guidance. 

Almost immediately after that, my XXXX XXXX  and XXXX XXXX account were taken over by someone else. I lost access to my account, and XXXX later confirmed that my XXXX XXXX  had been compromised. As a result, my phone had to be wiped and my XXXX XXXX  reset. XXXX XXXX XXXX, which issues XXXX XXXX, told me they classified the situation as identity fraud, froze the account, and informed me that the {$1000.00} had already been spent by the scammers at XXXX. 

Bank of America initially issued a provisional credit while investigating, but later denied my claim on the basis that I authorized the transfer. Their denial did not address the fact that I was deceived by someone impersonating the bank, that my account was taken over, or that the transaction occurred as a result of fraud and misrepresentation. 

It appears that Bank of America relied on card network or chargeback rules rather than applying the federal consumer protection standard under Regulation E ( 12 CFR Part 1005 ), which requires actual authority. I did not knowingly authorize scammers to take my money, and consent obtained through deception should not be treated as valid authorization.

I reported the fraud promptly and followed all instructions to escalate the issue in writing. I am attaching Bank of Americas written denial letter dated XX/XX/year>, which confirms the reversal of the {$1000.00} provisional credit and states that the claim was denied solely because I initiated the transfer. This transfer was made only after I was deceived and pressured by individuals impersonating Bank of America, and was not a voluntary or informed authorization.

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 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
Today on XX/XX/year> I was contacted by dynamic collectors for a medical bill that I was not aware I had. I have opted to call and try to get this bill fixed through my insurance as it was a billing mistake through the hospital. When I asked to do this the representative was extremely rude and told me that she strongly suggests that I set up a payment arrangement because there legal team is looking into taking legal action. This should be recorded on their phone lines for proof. I am currently working with my insurance to fix the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
b"I applied for and got approved for a credit card from First National Bank of Omaha.\nHowever, when I got card and it had a pre annual fee XXXX charge, I called and cancelled for that reason. I told them I thought the annual fee would be added after I had the card a year and used it.\nThen I got a threatening e mail about their dunning me and saying I had an XXXX balance \nI called immediately to express my objections for above logic and do not want this on my credit report.\nTheir phone number is XXXX XXXX XXXX. And I am lodging this complaint so they won't scam others \nI got good credit @ XXXX  and this is ridiculous."

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 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the alleged debt you claim I owe. This letter serves as formal notice that I dispute this debt in its entirety and request full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and applicable provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Additionally, this letter constitutes a formal demand for disclosure and proof of lawful authority regarding your collection, possession, use, and/or acquisition of my personal information, which appears to have been obtained through sale, transfer, or other means not authorized by me. 

Debt Validation Request Please provide the following documentation : 1. The name and address of the original creditor 2. The original account number ( redacted as required ) 3. The amount of the alleged debt, including an itemized accounting 4. A copy of the original contract or agreement bearing my signature 5. Complete chain of title and assignment demonstrating your legal right to collect this debt 6. The date the debt was allegedly incurred and the date of default Personal Information & Data Source Disclosure In addition, pursuant to federal and state consumer protection and privacy laws, I demand written disclosure of : 1. The source of my personal information, including the name of any entity that sold, transferred, or furnished my data 2. The legal authority or permissible purpose under which my personal information was obtained and used 3. Copies of any agreements, consents, or authorizations you rely upon to justify possession or use of my data 4. Whether my information has been further sold, shared, or reported to third parties or credit reporting agencies Notice of Legal Obligations Be advised that : Until proper validation is provided, you must cease all collection activity, including reporting to credit bureaus.

Any continued collection, reporting, or communication without validation may constitute violations of the FDCPA, FCRA, and applicable state privacy and consumer protection laws.

If you are unable to demonstrate lawful acquisition and use of my personal information, you must immediately cease collection efforts, delete my data, and notify any third parties to whom it was disclosed.

This letter is not a refusal to pay, but a lawful dispute and demand for proof. Please respond in writing within the time period required by law.

Failure to comply will leave me no option but to pursue formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and to consider all available legal remedies. 

Sincerely, XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am filing this new complaint to formally reject Comenity Capital Banks response to my previous inquiry ( Company Ref : XXXX ). 

XXXX. The Core Dispute Remains Unaddressed Comenity closed my previous complaint by asserting that the Returned Payment Fee is " valid '' simply because the payment was returned. This response is evasive. It ignores the root cause of the return : Comenitys use of the deceptive billing descriptor " XXXX XXXX XXXX XXXX XXXX XXXXXXXX ''. 

This descriptor fails to identify the merchant ( " Petco '' ) or the bank in a recognizable way. A reasonable consumer would not associate " XXXX XXXX '' with a Petco credit card. Because of this cryptic labeling, I flagged the transaction to my bank as potential fraud. I should not be penalized with fees and account lockouts for diligently protecting my finances against unrecognizable charges, especially when the confusion was created by the creditor 's own unclear billing practices. 

XXXX. Abusive Barriers to Resolution In their final response dated XX/XX/year>, Comenity admitted they have " removed [ my ] ability to use the bank account for future payments ''. To restore this access, they are demanding I obtain " an official letter from the bank on their letterhead '' stating the account is open. 
XXXX This requirement is an unfair and abusive barrier. My bank account is open, funded, and verifiable via standard methods. I have already retracted the dispute with my bank ( XXXX ). Demanding physical correspondence for a digital billing error is an obstructionist tactic designed to prevent me from paying my bill, thereby manufacturing further " lateness '' and potential credit damage. 

XXXX. Desired Resolution I request that the CFPB compel Comenity to : Acknowledge that the unclear billing descriptor ( " XXXX XXXX '' ) was the catalyst for this error. 

Waive the Returned Payment Fee and any subsequent Late Fees as a remedy for this deceptive labeling. 

Immediately restore my online payment access without the undue burden of obtaining physical bank letters. 

Suppress any negative credit reporting associated with this event.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Stratus Financial LLC
State: CA

Complaint narrative:
I am the cosigner on a flight training loan through Stratus. The borrower is no longer pursuing flight instruction at the XXXX XXXX. Upon reviewing the account, I discovered significant discrepancies between the loan balance shown by XXXX and the actual payment records from the XXXX XXXX. 

The XXXX XXXX  provided detailed documentation in a spreadsheet showing that : The principal balance reflected in Stratus 's system is incorrect Overpayments were made to the XXXX XXXX beyond what they were actually owed The loan balance does not match the verified payment history On XX/XX/year>, I sent XXXX a formal email with attached documentation from the XXXX XXXX clearly showing these discrepancies. I requested that they review the documentation, recalculate the loan balance, address the overpayments, correct interest charges, and provide a revised accurate loan statement. I specifically requested a response within XXXX days. 

It has now been over XXXX days, and I have received absolutely no response, no acknowledgment, and no communication whatsoever from Stratus. Meanwhile, the incorrect balance remains on the account, and I am potentially being charged interest on an inflated principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: Affirm Holdings, Inc
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 2026-01-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have tried to contact CITIBANK several times about inquiries sitting on my credit report which I did not authorize nor initiate and filed disputes and the company refuses to remove it. I did not apply for a bank nor credit card with this company and they have an inquiry sitting on my credit reports. 
I am a victim of identity theft and have contact several banks about this already and this is the only one who has yet to remove the inquiries from my credit report. 
This is causing financial harm and distress. 
I have spoken with my husbands XXXX XXXX XXXX and have been advised we will take legal action should this information not be removed. 


XXXX  dates : Citibank XXXX XX/XX/year> XXXX inquiry dates : Citibank XXXX  XX/XX/year> XXXX  dates : Citibank XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation