vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I am filing this complaint regarding a debt collection agency managing a court judgment entered in XXXX XXXX XXXX XXXX. I have expressed that I am prepared to resolve this matter for the quoted balance of {$2500.00}. However, because this is a legal judgment, I requested written confirmation that upon receipt of payment, the judgment creditor will file a Satisfaction of Judgment with the court. During a phone conversation, the representative stated, This is not customer service, this is debt collection. You dont pay your bill, in a dismissive and aggressive tone when I requested written confirmation. The representative refused to provide documentation and implied that payment should be made without written confirmation tied to the court judgment. I believe this response was intended to pressure me into making payment without proper written documentation. I am not refusing to pay the debt. I am requesting lawful written confirmation that the judgment will be satisfied upon payment. As this matter involves a court judgment, written confirmation of the Satisfaction of Judgment is a reasonable and standard request. The refusal to provide documentation, combined with the language used during the call, raises concerns about compliance with fair debt collection practices. I am requesting assistance in ensuring that proper written confirmation is provided before payment is made and that the judgment will be properly marked satisfied upon resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal had closed my account due to a overload of fees due to overdraft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I did not know this ( Collection Bureau of America or ( CBA ) was on my TransUnion credit file until today XX/XX/XXXX. I found out by accessing the " XXXX '' function provided by XXXX on my account page. This ( CBA ) was reported XX/XX/XXXX but does not appear when generating a credit report through XXXX. It ( CBA ) only appears in the " XXXX '' section provided by TransUnion and no where else. I have a question and that is why did TransUnion allow CBA to report this account as it was as it is obviously unlawful on the face of it and was not listed when generating an actual credit report? I am filing a formal complaint against a third-party debt collector reporting under the purposefully obscured acronym " Cba '' ( believed to be Collection Bureau of America ) for malicious violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ) ). This collection agency is weaponizing Metro 2 reporting standards to artificially devastate my credit profile on my TransUnion report through three blatant structural violations : 1. Illegal Account Classification : They are falsely reporting this collection account as an " Other Loan. '' They are a third-party debt collector, not a financial lending institution. Reporting a collection as an installment loan is a deceptive tactic used to bypass credit scoring algorithms for maximum damage. 2. Obscured Corporate Identity : They are reporting simply as " Cba, '' intentionally hiding their legal corporate name to obstruct my consumer right to properly identify them and request debt validation. 3. Fraudulent " Date Opened '' : By illegally classifying this as a " Loan '' and reporting a " Date Opened '' of XX/XX/XXXX, they are tricking the scoring algorithm into treating this as a brand-new, immediately defaulted personal loan, making me appear as an extreme credit risk. This is not a simple reporting error ; it is a deliberate abuse of the credit reporting system to coerce payment through algorithmic damage. I am requesting that the CFPB compel the immediate DELETION of this fraudulent tradeline and sanction this agency for deceptive reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a merchant dispute with my bank for 3 transactions made with my debit card ending in XXXX XXXX XXXXXXXX XXXX the reason was I cancelled the service under the store return/refund policy but the credit was never processed to my account. I sent all the information official refund receipt, voided voucher and email confirming the full refund. The claim was denied without any official information showing I didnt cancelled or used the service.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Dave Operating, LLC
State: CT

Complaint narrative:
I got paid XXXX but I didn't receive my debit card till XXXX ; XXXX XX/XX/year>. I tried XXXX link my external account with same name XXXX everything XXXX my XXXX checking account XXXX withdraw money but they locked my account XXXX haven't reached out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: IL

Complaint narrative:
I am writing XXXX file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts XXXX have these accounts removed, they persist, causing significant damage XXXX my financial reputation XXXX well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose XXXX report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I am filing this complaint regarding what I believe XXXX be unfair XXXX deceptive business practices related XXXX an apartment rental application. I applied for a specific apartment unit XXXX paid the required application fees based on the representation that the unit was available. After payment was processed, I was contacted XXXX informed that the unit I applied for was already leased or otherwise no longer available. I was not advised prior XXXX payment that availability was uncertain or that the unit may not have been available at the time my application was accepted. Upon being informed that the advertised unit was unavailable, I promptly requested a refund of the application fees, as the company was unable XXXX provide the product XXXX services as represented. My request was denied. Instead, I was offered a different unit that was materially inferior XXXX not comparable XXXX the XXXX originally advertised. The alternative unit had a smaller living room, no fireplace, XXXX older appliances. These differences were significant XXXX altered the value XXXX desirability of the rental. I declined this substitute offer. Retaining my application fees under these circumstances constitutes, in my view, an unfair billing practice XXXX a deceptive business practice, as payment was accepted for a unit that was not actually available. As a result, I disputed the charge with my credit card issuer. Despite the fact that I never executed a lease agreement or entered into any binding rental contract with this company, they have continued XXXX contact me by telephone in an attempt XXXX collect payment. These communications are unwarranted XXXX constitute harassment. There is no contractual basis for further collection attempts. I am requesting the following : XXXX. A full refund of all application fees paid. XXXX. XXXX cessation of all collection attempts XXXX telephone contact. XXXX. Confirmation in writing that my account reflects no balance owed. I respectfully request that this matter be investigated XXXX resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing XXXX file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due XXXX lagged posting of charges XXXX credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair XXXX request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am experiencing financial hardship and have been behind on my mortgage payments by approximately 23 months. My mortgage is a XXXX XXXX loan, currently serviced by Rushmore Servicing XXXX After previously participating in a COVID forbearance program with my prior servicer, I struggled to make payments and submitted a hardship application. Without prior notice, my mortgage was transferred to Rushmore Servicing. I had difficulty locating my account and had to contact them directly. Rushmore required a trial period of approximately {$1200.00} per month for three months before considering a loan modification. Once the modification was applied, my loan balance was reset, the term was extended to 40 years, a {$15000.00} balloon payment was added, and PMI continued. Recently, I received a letter from Rushmore dated XX/XX/XXXX stating that my loan is in default. The total past-due amount is {$7800.00}, including missed payments, late charges, and NSF fees XXXX The letter sets a deadline to cure the default by XX/XX/XXXX. Rushmore has offered partial payment options, but the amounts and deadlines for those partial payments are too large and unrealistic for my household to meet. The letter warns that partial payments may not prevent acceleration or foreclosure and confirms that the next installment payment remains due. It also references consumer assistance programs, but no option offered has been financially feasible based on my income and expenses. On XX/XX/XXXX, I called Rushmore Servicing and spoke with representative XXXX XXXX. I informed him that I was submitting a complaint. He submitted a request for a loan modification review and confirmed that foreclosure would not proceed as long as my XXXX payment is made. He stated the review may take up to 30 days. I am seeking assistance because my household income and expenses make it difficult to meet the current mortgage demands, and Rushmore has not provided reasonable hardship options that I can realistically afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: PA

Complaint narrative:
Toward the end of XXXX I received a balance transfer opportunity and decided to take advantage of it. When I went to use the link previously given it had disappeared. I called DISCOVER on XX/XX/XXXX and was told the promotion was still available. I asked to have the link re-sent to sign up myself and the rep told me it still should be available and told me again were to look for it. The link was still not showing up so I called back again on XX/XX/XXXX and was told they would handle themselves. I was careful to let the rep know that I wanted the 0 % rate but was not sure of the term. She told me they had two products one for 10 month and one for 15. I asked her what the difference was and she told me they were the same- which is why I opted for the 15 month term. I even remember her agreeing with me why take the shorter term if they are the same ( I believed I was getting 0 %!!! ). My shock when I received my statement showing I was in a 15 month 3.99 % term after paying over {$250.00} to transfer the balance. I called them as soon as I realized the issue and am now being told I agreed to these terms but they will not allow me to listen to the conversation to verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: OR

Complaint narrative:
I asked who was attempting to collect debt. I was told that it was from a company Called Rapid Cash and was a cash in hand loan. They would not provide any information and said they would report me to the credit bureaus and hung up. I XXXX this Rapid Cash and was told by them that they only operate in Florida and there is another company with the same name in XXXX XXXX. I then contacted that company and they were helpful and said they had no record of me in their system and gave me the number to their fraud department. I spoke with them next and they confirmed that they have no record of me and that I should contact the FTC and report as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Company Name : Synchrony BankProduct : Savings AccountIssue : Account locked/ funds unavailable Complaint Narrative : I am filing this complaint regarding Synchrony Bank placing a restriction on my high yield savings account XXXX locking my entire account balance following a wire transfer request. On XX/XX/year>, I proactively notified Synchrony Bank of my recent address XXXX phone number change. At that time, I submitted my updated state-issued photo identification, a utility bill, XXXX a bank statement reflecting my new address in order XXXX verify my identity. On XX/XX/year>, I called XXXX initiate a wire transfer for my full account balance of {$11000.00} XXXX a business account that I own. I was informed the transfer would undergo a manual review XXXX would take XXXX business days. Instead, my entire account was locked XXXX placed under review. Since that time, I have made multiple follow-up calls. Representatives have been unable XXXX provide a clear explanation of what is being reviewed, what documentation is required, or when I will regain access XXXX my funds. I was told an email was sent XXXX me on XX/XX/year>, but I did not receive this communication XXXX representatives were unable XXXX tell me what it contained. I have now been locked out of my full account balance for over a week without meaningful updates, clear communication, or a defined timeline for resolution. I have proactively provided identity verification documents XXXX have attempted in good faith XXXX resolve this matter directly with the bank. I am requesting : XXXX. XXXX review XXXX removal of the account restriction. XXXX. XXXX written confirmation of any documentation required. XXXX. Prompt release of my funds. XXXX. An explanation for the prolonged account lock and communication failure. This situation has caused significant concern due XXXX lack of access XXXX my funds XXXX lack of transparency regarding the review process.

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 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am submitting this complaint regarding unlawful debt collection practices by Resurgent Capital Services on behalf of LVNV Funding LLC. I disputed the alleged debt in writing and requested validation pursuant XXXX XXXX XXXX. XXXX. Despite this dispute, the company has continued collection activity without first providing proper validation. On XX/XX/year>, I received an email stating an alleged balance, identifying account ownership, XXXX inviting me XXXX review payment options through an online portal. This constitutes continued collection activity in violation of federal law. The company has failed XXXX provide : The original signed agreement, A complete payment history, Proof of legal standing XXXX collect, A full chain of assignment from the original creditor. I am requesting that the CFPB require the company XXXX cease collection activity, provide lawful validation, XXXX correct any improper reporting or communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
On XX/XX/XXXX, the bank closed my checking account XXXX issued Official Check No. XXXX in the amount of {$3800.00}. The check was mailed XXXX an address in XXXX. Due XXXX postal restrictions XXXX delivery issues in that country, the check could not be received. On XX/XX/XXXX, the bank confirmed in writing that the check had been issued. I was instructed that after XXXX days ( XX/XX/XXXX ), I could submit a notarized XXXX XXXX XXXX XXXX request stop payment XXXX reissuance. I fully complied XXXX submitted the completed, signed, and notarized XXXX of Loss as instructed. I also provided a notarized affidavit confirming my updated address in XXXX XXXX requested that the reissued check be sent there. Despite full compliance with the banks written requirements XXXX submission of notarized identity documentation, the bank is now refusing XXXX process the address update XXXX reissue the check unless I complete a telephone verification process. I do not have access XXXX historical authentication credentials, which is why this matter has been handled through formal notarized documentation. As of today, the bank has not reissued the check, has not processed the address update based on the notarized affidavit provided, XXXX has not provided confirmation of stop payment. The funds have been acknowledged by the bank but remain withheld. I am requesting that the bank process the address update based on the notarized documentation already provided XXXX immediately reissue the official check without imposing additional procedural barriers.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Requested validation XX/XX/XXXX received response on XX/XX/XXXX with a XXXX lease not applicable XXXX the time of alleged charges as well as a lump sum for alleged damages. As of now the debt has not been sufficiently verified.

Company response to consumer: Closed with explanation