vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
I have been paying my mortgage bi-weekly since XX/XX/XXXX with no issues. The mortgage company holds the first payment as unapplied until the XXXX payment is received. It then makes the payment and applies any overpayment to principle only. This has been very successful all this time. I received an email on XX/XX/XXXX saying my payment had not been made. I made payments on XX/XX/XXXX and XX/XX/XXXX which paid my monthly mortgage and a small principle payment. The payments were applied as principle only payments. I chatted with Rocket mortgage and they assured me they would reapply and it would show a payment of XX/XX/XXXX which is the date full payment was made. They did reapply the payments however it is showing a payment date of XX/XX/XXXX which is technically past due. Also, they insisted they were applied this way because I made XXXX payments. I explained I had been doing it this way for years without issue. I asked and they ignored the question if there was a change in the way they receive payments. I would just like my payment to reflect the correct payment date as I was told it would do on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing several accounts on my Equifax credit report. These accounts have been reported inaccurately or contain outdated information, and I request that they be properly investigated and updated in accordance with the Fair Credit Reporting Act ( FCRA ). Charged Off Accounts XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: CA

Complaint narrative:
I have no affiliation or connection to these accounts and they should be removed within XX/XX/XXXX days per XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and 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 ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-03-06 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: CA

Complaint narrative:
XXXX I filed this complaint about the company CITI about unfairly charging me check return fee even after I paid the bill. They responded by closing the credit account without any reason given

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 2026-03-06 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am requesting an appeal of the denied dispute for the {$970.00} charge from a credit repair company. I canceled the service the same night that I signed up and sent a cancellation email immediately. The company stated that I could cancel the monthly service, but they refused to refund the setup fee even though I canceled before any services were performed. The charge was still processed after my cancellation request. I have documentation showing the cancellation email and the timeline proving that I attempted to cancel right away. Additionally, the company misrepresented themselves by posing as a debt collector when they are actually a credit repair company. I believe this was misleading and contributed to my decision to sign up before realizing what the service actually was. Since I canceled immediately and no services were provided, I am requesting that this dispute be reconsidered and the {$970.00} charge 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 monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andrews & Cox, P.C.
State: IN

Complaint narrative:
I have disputed this debt multiple times via email like the notice they mailed me stated I could do and I formally requested validation of the debt. Specifically, I requested the following information : - Written verification and validation of the alleged debt - The name and address of the original creditor - Documentation proving I am legally responsible for this debt - A full itemized breakdown of the amount they claim I owe. - Documentation showing how the current balance was calculated Despite submitting these requests, including sending a dispute via fax, the company has ignored my requests and has not provided the documentation I asked for. Additionally, the balance shown in their portal has changed multiple times, increasing to different amounts without explanation. This raises serious concerns about the accuracy and legitimacy of the debt. Additionally, the company stated that I had until XX/XX/XXXX to dispute this debt. I exercised my right to dispute the debt well before that deadline and have done so multiple times. I submitted disputes requesting validation of the debt and supporting documentation, including a fax dispute, but the company has ignored my requests and failed to provide the information I asked for. Because I disputed the debt within the timeframe they provided and have retained copies of all communications, including emails and fax confirmations, I will have full documentation showing that I properly disputed this debt. If the company attempts to pursue any legal action without first validating the debt, I will provide these records showing that they failed to respond to my disputes and failed to provide verification of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On the morning of XXXX XXXX, 2026, I logged into my bank account and noticed that my account had a very large negative balance of over {$4000.00}. After reviewing my transaction history, I discovered that a check had cleared my account on XXXX XXXX, 2026. The check appears to have been issued on XX/XX/year>2026 and was made payable to an individual named XXXX XXXX, whom I do not know and have never authorized any payment to. I did not write, authorize, or approve this check, and I believe it to be fraudulent. As soon as I discovered the transaction on the morning of XXXX XXXX, 2026, I immediately contacted my bank to report the matter as fraud. The bank opened a fraud investigation under claim number XXXX. Because of this unauthorized check, my account went into a significant negative balance and my payroll deposit that was made the same day was applied toward covering the overdraft, leaving me without access to my funds. I am requesting assistance in ensuring that my bank properly investigates this fraudulent transaction and restores the funds that were taken from my account without my authorization. I am extremely concerned about the security of my bank account information and the financial hardship this situation has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Request to Reopen Fraud Investigation Incorrect Claim Documentation I am filing a formal complaint regarding a denied fraud claim on my Bank of America credit card. While traveling in XXXX, I lost my phone, credit card, and identification. After these items were lost, unauthorized charges totaling approximately {$25000.00} were made on my account. When I initially contacted Bank of America to report the fraud, the representative incorrectly documented my claim and stated that I still had possession of my credit card. This information is inaccurate. I clearly explained during the call that my phone, credit card, and identification had been lost. Because my phone was also lost, it is possible that an unauthorized individual had access to verification codes or account information, which may explain how the transactions were processed. Despite this, my claim was denied on the basis that the charges were authorized or made by someone with permission to use the card. The denial appears to be based on incorrect information recorded during the original fraud report. I did not authorize these charges and did not give anyone permission to use my card. I am formally requesting that Bank of America reopen and properly reinvestigate my fraud claim using the correct information. Additionally, I request copies of all documentation, merchant evidence, and records used in the decision to deny my claim. Thank you for your prompt attention to this matter. I look forward to your response and a fair reinvestigation of this claim.

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 2026-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
I believe that this debt is fraudulent as I made an agreement with another company, XXXX. They have sold off my debt to the following company and I do not believe that this debt is even mine as I can not guarantee that these are my exact accounts. The company has not reached out to me at all. Historical info Company sold JEFFERSON CAPITAL SYSTEMS LLC Contact info Phone number None provided Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: TN

Complaint narrative:
I paid off the monthly rent balance of {$2100.00} sitting on my XXXX credit card on XX/XX/XXXX. The balance was then transferred to BILT and showed on XX/XX/XXXX. I have been in contact with both BILT and XXXX since XX/XX/XXXX and have gotten no resolution from either of them. It has now been over two weeks. BILT does not allow me to speak to a person about the issue, and the text chat rep just tells me it is a XXXX issue. When speaking with XXXX, they state that if I am refunded, my rent amount ( {$2100.00} ) will go back as a balance on my old ( closed ) XXXX credit card. This issue has caused me to carry a balance on my new credit card, drastically affecting my credit score over this time period. No resolution has been given at this point, even though the escalation said it would be handled in 2-10 business days. I have been lied to, ignored, and essentially robbed of XXXX XXXX dollars and my efforts to maintain my credit score. I firmly believe there should be a class action suit levied against BILT or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We were harmed when forced to sell our property to a third party after we negotiated a P & S agreement on the mistake that there was no active BofA mortgage outstanding on the property. BofA had not contacted us about the mortgage since the financial crisis and we were lead to believe that is was forgiven, but they later ( XX/XX/XXXX ) told us it had been written-off. BofA had not contacted us since XXXX. This letter also constitutes a formal demand for relief pursuant to the Massachusetts Consumer Protection Act, XX/XX/XXXX. Bank of Americas continued attempt to collect on this long-dormant 'Zombie Mortgage'after nearlyXX/XX/XXXX years of silence and despite the lack of accurate payoff recordsconstitutes an unfair and deceptive act or practice. We entered into negotiations about a fair payback amount for this Zombie Mortgage and BofA failed to honor our negotiated amount, by not including release or discharge language in our confirmation letter in order for our private lender to step in and loan us the funds. Request for Immediate Action as Bank of America previously indicated a willingness to accept this settlement amount. We negotiated in good faith, however, the written memorandum received from them, failed to include the necessary discharge language required by our lender. We could not proceed with the payout without a written commitment that a full discharge would be issued and recorded upon receipt of the negotiated and agreed amount of {$150000.00}.

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 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RUOFF MORTGAGE
State: OH

Complaint narrative:
Ruoff has been receiving payments from the trustee and has not sent the trustee the release nor have they returned the payments after selling our loan to a new company This has been a nightmare We are suffering from so much distress and heart ache from their actions and I want my forensic audit which we are entitled to as well as the funds to be either sent back to the trustee or sent to the new loan company this is getting out of hand They appear to be mishandling our account with deliberate intent because when we tried to contact them regarding our home owners insurance which they canceled instead of making the payment as they were supposed to before transferring the loan to the new company Ruoff told the insurance company they do not have an account with us and could not find any history of an account with us????? They just paid the insurance premium through escrow the previous year. I seriously am under great distress wondering how we have paid XXXX and they still say we are in arrears?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I am formally disputing the balance reported by IQ Data International ( Account # XXXX ). Per my signed Lease Agreement ( Page 11 ), I elected 'Choice 1 ' for Liquidated Damages under Florida XXXX XXXX ( 4 ). This clause explicitly caps my liability at {$2900.00} and waives the landlord 's right to seek additional rent or concession chargebacks. IQ Data International is attempting to collect approximately {$10000.00}, which includes illegal concession chargebacks and future rent, in direct violation of the contract and Florida law. I have already sent a formal dispute letter directly to the company, citing the specific lease pages and Florida statutes, but they verified the inaccurate amount to XXXX without addressing the legal merits of the dispute. I am willing to pay the legally owed {$2900.00}, but I refuse to pay the unauthorized 'double penalties ' added to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
MIDLANDCREis falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCREis 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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX collections from LVNV llc has been added to my credit reports. I have no accounts with this company. These people are scamming consumers by charging a fee to remove a negative item from credit reports that they put on the reports. I have no account and never had an account from this company. I have reached out to Transunion and Equifax to have removed. I have a pending disputes with them. This is fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Goal Structured Solutions, LLC
State: GA

Complaint narrative:
I am submitting this report to formally document and dispute the presence of a student loan account that I do not recognize or recall authorizing, which I recently discovered on my credit report. I became aware of this account upon reviewing my credit history, where an unrecognized student loan appears under my name. I did not take out, authorize, co-sign, or otherwise consent to this loan, and I do not recognize the listed servicer or account details. The appearance of this account has negatively impacted my credit history, including my credit score and overall credit profile. Given the seriousness of unauthorized financial accounts, I am concerned that this may be the result of a reporting error or potential identity misuse. Requested Action I respectfully request that the following actions be taken : Immediate investigation into the legitimacy of this student loan account Verification documentation, including : Original loan application School certification records Disbursement history Removal of the account from my credit report if it can not be verified as authorized by me Written confirmation of the investigation outcome and any corrective actions taken

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and 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 to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to 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. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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