vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It XXXX Concern, I am a documented victim of identity theft XXXX  a confirmed data breach affecting my personal identifying information. I have enclosed my FTC Identity Theft Report XXXX  supporting documentation pursuant to XXXX XXXX XXXX. 
The following accounts XXXX  inquiries were not opened, authorized, or initiated by me XXXX  are the direct result of identity theft. Under federal law, these items must be BLOCKED from my consumer report within XXXX ( XXXX ) business days. These accounts are not eligible for reinvestigation. 
Accounts XXXX  be BLOCKED under XXXX XXXX XXXX XXXX / XXXX Date Opened : XX/XX/XXXX Status : Charged off {$830.00} CREDIT XXXX BANK Date Opened : XX/XX/XXXX Status : Charged off {$870.00} XXXX BANK XXXX XXXX XXXX : XX/XX/XXXX Status : Charged off {$740.00} AARGON AGENCY ( Collection ) Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$2500.00} Unauthorized Hard Inquiries ( No Permissible Purpose ) XXXX MAIN FINANCIAL Inquiry # XXXX XXXX MAIN FINANCIAL Inquiry # XXXX These inquiries were made without my knowledge or consent XXXX  must be removed pursuant XXXX  XXXX XXXX XXXX XXXX  XXXX. 
Notice XXXX  XXXX XXXX XXXX Any reinsertion of the above accounts without full compliance with XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), including written consumer notice XXXX  certification of accuracy, will constitute a knowing violation of the Fair Credit Reporting Act XXXX  will be documented accordingly. 
Please confirm in writing that the above items have been BLOCKED, not verified. 
Also experian have violated my civil rights I lost points on my credit report XXXX time at work I am looking for compensation from the credit bureau Sincerely, 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 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion is reporting false information from a Collection called XXXX XXXX XXXX. I DO NOT KNOW OR OWE THOSE COLLECTION COMPANY ANY DEBT. TRANSUNION IS REPORTING FALSE INFORMATION, THEY HAVE FAILED NUMEROUS TIMES XXXX  PROVIDE PROOF. I DO NOT NOT HAVE AN ACCOUNT WITH XXXX. REMOVE THIS COLLECTION FROM MY REPORT.

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 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
So my account was closed XX/XX/year> had a XXXX balance. Everything was cleared out. XXXX say you know the following year. The credit report showed that my account had a balance a {$2000.00} I want a mailed document showing proof that I made the transactions or purchases within a XXXX  day timeframe I never received the documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for a Citibank XXXX XXXX XXXX XXXX XXXX for my firm. I am a sole proprietor XXXX  have used personal airline accounts for my business travel since I started XXXX  work, approximately XXXX  years ago. The Citibank card claimed that it came with bonus points after spending a certain amount of money on the card, which I understand XXXX agree with. The application had a spot for my XXXX XXXX loyalty number XXXX  link the account. I added that important information. However, after the card was approved, I discovered that Citibank had setup another American airline loyalty account in my business name, without my permission, XXXX  linked my card XXXX  that account instead of the account I listed on my application. I can not use the benefits that come with the card for my already booked flights on XXXX because I booked them with my personal account. I called XXXX XXXX XXXX  the representative was helpful but was not able to link my correct account. She told me that Citibank just needs XXXX  correct the linked account in their system. When I called Citibank, I could not understand what the representative said but it was apparent that she did not understand the problem. She kept repeating the same thing but her last ( XXXX  most important ) words in each sentence were truncated so that it was impossible XXXX  understand what she was saying. When I apologized for not hearing her correctly XXXX  asked her XXXX  repeat what she said, she got mad at me, talked over me, XXXX  transferred my call to XXXX XXXX despite my begging her not XXXX. I called Citibank back, hoping XXXX  speak with a supervisor but the next representative who said that her name was " XXXX '' put me on hold XXXX  no XXXX  answered. I waited on hold for more than XXXX minutes but it became apparent that no XXXX  was going XXXX  answer. I called back a third time only to have the same thing happen, again. I only asked to have my correct XXXX XXXX account linked XXXX  my account, as promised. I am frustrated because I relied on Citibank 's application materials in making the application. Citibank 's inquiry affected my XXXX XXXX XXXX  will stay on it for XXXX  years. I consented XXXX  that in return for the advertised benefits, which Citibank is not providing XXXX  has no XXXX  XXXX  reach for help. As a small business owner, it is difficult XXXX  take hours of the day from my buseinss XXXX  family only XXXX  spend it on the phone with agressive " customer service '' people who seem like it is their job XXXX  be mean XXXX  frustrating to me. Citibank promised that the card would link to the XXXX account I listed on the application and did not follow through. Customer service is not helpful.

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 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am filing this complaint because I am experiencing temporary financial hardship XXXX  submitted a complete application for mortgage relief assistance XXXX  Select Portfolio Servicing ( SPS ). I believe SPS is handling my loss mitigation application in a way that is excessively slow, fragmented, XXXX  placing me at risk of increasing delinquency through no fault of my own. 
I submitted my full application on XX/XX/year>, including all required supporting documents ( tax returns, bank statements, payroll records, and proof of primary residence ). At the time of filing, I had never been late on any mortgage payment. 
Since then, SPS has repeatedly paused my application XXXX requested additional information XXXX item at a time. I have checked the SPS XXXX nearly daily XXXX  each time I received a request, I responded the same day. XXXX issue is that SPS takes XXXX business days after each submission before resuming review. This cycle occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  each pause resets the review timeline. Today I learned that underwriting is again asking for clarification on an item I already addressed in writing on XX/XX/XXXX, which suggests the process is not being handled consistently or efficiently. 
I have been told that XXXX SPS finally deems my application complete, it XXXX take up XXXX  XXXX additional days for a decision, XXXX  that there is no way XXXX  expedite the process. 
Despite my timely cooperation, SPS informed me that : I will be considered late if my XXXX payment is not made by XX/XX/XXXX I will be charged a late fee SPS will report me as delinquent to the credit bureaus After XXXX  days, I will receive a demand notice, XXXX  I will have XXXX  days XXXX  cure the delinquency before the matter XXXX be escalated toward foreclosure This is extremely distressing because I am fully committed XXXX  paying my mortgage in full, am seeking only short term assistance while I stabilize my finances, XXXX  have complied with every request immediately. I asked whether my timely application would protect me from negative credit reporting while under review, XXXX  I was told emphatically no. 
My hardship is temporary, XXXX  I am acting in good faith. However, SPSs process is slow, opaque, XXXX  structured in a way that makes it nearly impossible for me XXXX  avoid being pushed into delinquency while they continue XXXX  delay the review of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: STATE BANKSHARES, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a property XXXX  obtained a XXXX conventional mortgage with a prepaid single-premium XXXX of {$8700.00} covering the entire XXXX loan term. The lender provided a XXXX disclosure showing cancellation would not occur until XXXX, but this disclosure made no mention of refund rights for prepaid XXXX XXXXn the event of early payoff. On XX/XX/XXXX, I sold the property XXXX  paid off the mortgage in full after only XXXX  months : years before reaching any cancellation threshold. 

On XX/XX/XXXX, I called the lender 's customer service to inquire about the XXXX refund process. The representative told me they would contact XXXX XXXX XXXX ( the PMI insurer ) regarding the refund. 

After not receiving any refund, I contacted the lender again in early XX/XX/XXXX XXXX  request the unearned XXXX premiums ( approximately {$7800.00}, representing XXXX unused months of coverage ). On XX/XX/XXXX, a Mortgage XXXX Customer Service XXXX Representative responded in writing, denying my request. The representative claimed that " the only time a borrower is eligible for a refund of the XXXX premium is if a request is made prior XXXX  the loan paying in full '' XXXX  stated this was " per the XXXX 's XXXX XXXX. '' This is factually incorrect. Under XXXX XXXX. XXXX ( f ), servicers must return all unearned XXXX premiums within XXXX days after loan terminationno borrower request is required. The lender 's own XXXX  disclosure document did not inform me of these refund rights for early payoff situations. The XXXX deadline expired on approximately XX/XX/XXXX. The lender has refused XXXX  issue any refund XXXX  has misrepresented XXXX law XXXX  justify their refusal.

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 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am writing XXXX  address a collection account that appears on my credit report even though it has already been paid in full. Despite satisfying this obligation, the account continues XXXX  be reported, which is unfairly impacting my credit standing. A paid debt should not continue XXXX  be reported in a way that suggests it is still active or outstanding. The continued presence of this account is causing unnecessary harm XXXX  my credit profile XXXX  financial progress.

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 2026-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a Capital One savings account on XX/XX/year>, specifically XXXX  participate in a promotional offer that provided tiered bonuses based on the amount of funds transferred from an external bank XXXX  maintained for XXXX  days. 

On XX/XX/year>, I transferred over {$97000.00} in total funds originating from my external bank accounts. These transfers included a direct transfer into the savings account XXXX  an additional transfer routed through my Capital One checking account before being deposited into savings. The funds routed through checking were not internal funds but originated from my external account. 

Capital One credited me only a {$300.00} bonus, counting only the portion transferred directly into savings, XXXX  refused XXXX  include the remaining externally sourced funds because they passed through my checking account. Customer support acknowledged that the funds came from an external source but stated they could not override the system. 

The promotional terms did not clearly disclose that routing external funds through a Capital One checking account would disqualify them from counting toward the bonus requirement. I relied on the advertised terms when transferring these funds. 

I am requesting that Capital One review my funding activity XXXX  apply the appropriate promotional bonus tier based on the qualifying external funds deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX I was about to pay my house payment. It was denied because my checking account was hacked. I had a pay pal account opened in my name XXXX credit cards and my checking account completely drained. Wells Fargo denied my claim I had it reopened. I called numerous times to get it figured out and they claim I made the transactions I work out of town and have very minimal access to my accounts. I started getting upset and they hung up right in my face. My family has gone without no day care and my home is on the edge of being taken because of everything that has happened. Rude. Not understanding.. After XXXX years I figured Id get better treatment than what Ive recieved

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 2026-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America wrongfully denied my fraud claims. There were XXXX fraudulent purchases made from XXXX for a total of {$10000.00} made in person with a phone and my card information on a fraudulent XXXX XXXX account. I have proof that I was not in XXXX, XXXX, XXXX or XXXX when these purchases were made. When I called XXXX of the companies frauded, XXXX they told me that the purchases at their stores were in person with a phone and an XXXX XXXX account. I do not own XXXX products oand i do not have a digital wallet with XXXX and never have. They also told me they were pulling the video file and time of purchase. No one at Bank of America asked for or used this information in my fraud case, instead they used XXXX purchase with no useful information and told me that they had proved that I was there in person with my card, chip put in my code and signed for the merchandise. This is not true.

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: GA

Complaint narrative:
I received a letter on XX/XX/XXXX from the " XXXX XXXXXXXX XXXX and XXXX XXXX '' via Professional Account Management saying I owed {$52.00} for an unpaid toll violation that was sent to collections. I looked the violation number up with my license plate and no toll violations were found. Am I still responsible for this debt, is this company fradulent, and if so, how can I remove this from my credit report?

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 2026-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal dispute regarding multiple unauthorized hard inquiries on my credit report that were conducted without my written consent or a permissible purpose. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, it is strictly prohibited for any entity to access a consumers private credit file without specific legal authorization. 

These inquiries from [ XXXX XXXX XXXX XXXX XXXX ] are not associated with any existing accounts or transactions initiated by me. I have never signed a document granting these entities permission to pull my credit. As per 15 U.S.C. 1681i, you are required to conduct a reasonable investigation and provide physical proof of authorization. If no such proof exists, these inquiries must be PERMANENTLY DELETED immediately.

Furthermore, reporting unauthorized inquiries is a violation of my privacy rights and negatively impacts my credit score. I am prepared to seek statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n if these are not removed within the legal timeframe. I demand full compliance with federal law and a clean credit file. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: MN

Complaint narrative:
If I had known that upon agreeing to finance my own tradeline with XXXXXXXX XXXX Self Lender, I would have turned down the opportunity. The reason being that I was under the illusion that I could not ever be late against borrowing against myself as a tradeline. I am not alone as I have found several complaints against Self Financial Inc with the XXXX XXXX XXXX such as the following : Back around the middle of XX/XX/year> ( a little more than 30 days ago ) I had decided to check out Self Inc. credit builder loan and credit card because my credit was and still needs repair. After being told about these products by a friend of mine who had a pleasant experience with them both I decided to sign up. First I opened the Self credit card with a {$500.00} deposit. The card took a while to arrive, but when it did I began using it immediately. I decided if I could pay for it with a card why not use the self-card and just keep paying it off and see how that goes instead of paying with a debit card and gaining nothing. It was great the card had a few limitations in terms of type of places it could be used but its accepted everywhere. I used it for online shopping for Christmas amongst other things. I paid it off in full after using the available credit. This payment took about 8 days to post and refill available credit. Following that payment though it was great if I chose to I could make a payment on the card and it would post the next day. I loved it. I decided to open a credit builder loan also for {$3000.00}. Not fully understanding how it worked I figured I have the money I will pay right away. So, I did pretty much. Payments took some days, but all my payments were successful. Self-to pay this off within a few weeks I paid it off XX/XX/XXXX, XXXX of nowhere self-demands I provided additional info. So, I send them my most recent bank statement and pics of my id like they ask. They instantly tell me I need to get a different bank statement. I am not interested in trying to run through hoops. They have taken my money no problem if they are going to deny me service then I do not want to do business with them. REFUND MY MONEY {$3500.00}. I provided exactly the information that was requested of me. I can already see the direction this is going. I am uninterested in continuing business with Self. I just want my money back. 
I believe that the Federal Trade Commission and the Consumer Financial Protection Bureau should investigate self-lending programs that build new trade lines. As a member of the XXXX community, I believe that a program such as Self causes more damages to minorities than good and is racially motivated to take advantage of those less fortunate. Accordingly, I believe that Self should delete my tradeline and return my investment immediately. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
So I already told XXXX XXXX XXXX XXXX  to stop messaging me, calling me, or trying to contact me in anyway they were to stop but continues to get to me.i already told them I'm not paying for something I can't pay, I'm depressed that I'm seriously thinking about going to therapy I can't sleep at night worrying if I'm going to get in trouble. Please I need to be left alone before I take drastic steps. Please I can't live like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Ive been using Chase XXXX for over the past year. On XX/XX/year> I received a payment ( {$3800.00} ) for services provided. On XX/XX/year> I received noticed that Chase closed my XXXX account and is planning to hold the amount of {$3800.00} for XXXX ( XXXX ) months. Due to them not releasing my money on time, my account is in the negative. I have been charged multiple overdrafts charges due to this. I provided all requested documentation showing this was not a fraudulent transaction and that my company is a legitimate business. They have refuse to provide me with any details on the issue. They have refused to release my money.

Company response to consumer: Closed with explanation