vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have repeatably talked with Huntington Bank the past two weeks - XXXX hours on phone, with XXXXXXXX XXXX XXXX XXXX  with no resolution.... Nothing Huntington have said they would do has happened.....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts and inquiries appear on my credit report that I did not open, authorize, or benefit from. My personal information was compromised during the Equifax data breach and was used without my permission. I did not apply for these accounts or receive any goods, services, or funds from them. I am requesting that all fraudulent accounts and related negative information be permanently deleted 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 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
While using my XXXX XXXX XXXX I saw an offer in Onemain Financial saying that XXXX guaranteed the loan approval or they would give me {$50.00}. 
The loan terms were, for a {$13000.00} loan at EST 14 % APR $ XXXX I have a screen shot if needed. XXXX did not have a clear and visual sign or notice saying " conditional on '' Once I clicked on take offer, this redirected me to another form where I had to fill in my rent amount and if I owned a car. After completing the form I also recieved a message on XXXX app saying " APPROVED XXXX, Final approval is conditional until we verify your Identity, address, etc '' I concider this to be misleading as first they guaranteed approval, I applied, then they said YOU ARE APPROVED but in reality I needed to wait more and provide with more information after they ran my credit. 

Onemain financial ran my credit and did not approve me for the terms that XXXX promised. They only approved me for {$4000.00} at 23 % APR which is not even close to their original promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: CO

Complaint narrative:
I am submitting this complaint regarding unlawful debt collection activity by Credit Control , LLC in violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state law. 
On XX/XX/XXXX, I sent Credit Control , LLC a written dispute and demand for validation of an alleged XXXX debt via both email and U.S. Mail. This dispute was timely and remains unresolved. No validation has been provided. 
Despite this written dispute, Credit Control , LLC continued collection activity. On XX/XX/XXXX, I received a text message inviting me to visit a collection portal and call a phone number to address the alleged debt. This communication occurred after my dispute and constitutes continued collection activity prohibited under 15 U.S.C. 1692g ( b ). 
Additionally, there is a serious ownership and accuracy conflict regarding this account. XXXX XXXX XXXX is currently reporting this same account to consumer reporting agencies as a debt buyer, claiming ownership and updating the balance as recently as XX/XX/XXXX. At the same time, Credit Control , LLC claims it is collecting on behalf of XXXX. These representations are mutually exclusive and can not both be accurate. 
The alleged balance is also inconsistent and inflated, including unexplained non-interest charges that have not been validated.

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: 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 regularly review my credit report because my credit score is important to me, and I continue to see multiple accounts being reported inaccurately and falsely. This has been a recurring issue that has not been corrected despite my repeated attempts to address it. The ongoing presence of these inaccuracies is extremely stressful and is unfairly damaging my credit and negatively impacting my life.

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 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
On XXXX and XX/XX/year> I contacted them to pay the debt because it showed in my credit report. I was told by them that they no longer owned the debt. I asked them how can I have it removed since they were the ones that reported it and I was told that they could not XXXX me

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I switched phone companies in XX/XX/year>. 
I returned my router box on XX/XX/year>XXXX XXXX XXXXXXXX. 
I had auto-pay set up & they auto drafted the non-returned router box. I then called them in XX/XX/year>, where they refunded the money, as they were able to show I did return it & the money was not owed. 
I then spoke with t-mobile associates again on XX/XX/year> & XX/XX/year> & on all of those occasions, they again stated i did not owe the balance & were unsure why this was showing the way it was on my account. 
On the call from XX/XX/year>, i told the associate i got a letter threatening to send me to collections for this debt. She advised she was going to go over things like they are supposed to & ensure i did not get sent to collections which i still did. 
i have submitted multiple disputes to Credence, but they keep denying them & are still trying to make me pay this debt.

i told them multiple times i need them to prove i owe this debt & they still have not done it. 
i have the recorded phone calls i am happy to provide if someone needs them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear Sir or Madam I am writing to you to file a dispute regarding a collection account that has been removed from my credit report by XXXX, but still appears on my TransUnion and XXXX  reports.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( o ), it is mandated that information reported must be accurate and complete. The removal of the collection by XXXX  means that it should no longer appear on the other credit bureaus.

Therefore, I request the CFPBs intervention to ensure the immediate removal of this collection account from my TransUnion and XXXX  reports in compliance with the applicable laws. 
Thank you in advance for your prompt attention to this matter, and I look forward to a timely resolution

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 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital Services and LVNV Funding, LLC filed Proof of Claim No. XXXX in my Chapter XXXX bankruptcy case ( U.S. Bankruptcy Court , XXXX XXXX of Florida, XXXX No. XXXX ) for {$13000.00}. They claim they own and can collect a credit card debt allegedly originated by XXXX XXXXXXXX XXXX XXXX. 

I dispute the claim. The attachments include bulk transfer documents ( Bill of Sale and Transfer/Assignment ) that reference a receivables data file/portfolio, but they do not include account-level documentation identifying my specific account as part of any sale/assignment. Exhibit A is only a portfolio/file reference and does not identify me or my account. 

Filing a Proof of Claim while lacking account-level proof of ownership/standing is a misrepresentation and prevents me from verifying whether LVNV is the lawful creditor and whether the amount claimed is accurate. I request that LVNV/Resurgent either withdraw the claim or provide account-level chain-of-title documentation proving my specific account was included in each transfer, plus the charge-off statement/monthly statements and a complete itemization supporting the balance. 

Resurgent Capital Services and LVNV Funding, LLC filed Proof of Claim No. XXXX in my Chapter XXXX bankruptcy case ( U.S. Bankruptcy Court , XXXX XXXX of Florida, XXXX No. XXXX ) for {$13000.00} ( original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX I dispute the claim. The attachments include bulk transfer documents that reference a receivables data file/portfolio, but do not include account-level documentation showing my specific account was included in the alleged transfers ( XXXX Resurgent Acquisitions LVNV ). Exhibit A is only a portfolio/file reference and does not identify me or my account. I request that Resurgent/LVNV withdraw the claim or provide account-level chain-of-title proof plus statements/charge-off documentation and a complete itemization supporting the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
The options on the previous page does not correlate with my situation. 

I received an email from XXXX with a subject line stating wage garnishment. As I was very curious, I replied to the email stating that I have never taken out a loan from money line. I asked for verification that this debt was mine. They sent me an email with the date, the amount, and other information. I believe that my identity was stolen. I went online to.XXXX  and Money. Lion does not appear on my credit report. I am now going to report identity theft with identitytheft.gov. 

My identity was stolen in XXXX, which someone filed their taxes with an out of state address, but with my name, therefore, this is not the first time that my identity was stolen. 

Your assistance is greatly appreciated.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP 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 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I paid the debt and spoke with the representative who assured that the debt would be deleted after payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am re-opening case XXXX. If you examine the case you will see where Wells Fargo agreed to pay {$200.00} to compensate for their mistakes in handling the matter and part of the costs I subsequently incurred from their mistakes. 

At some point afterward they sent me a check for {$200.00}. I tried to deposit it on XX/XX/year>. XXXX days later I was told that the bank put a stop payment on it. 

I therefore am opening a new case requesting that Wells Fargo make good on their commitment and send {$200.00} payment as agreed. This time it should be in a valid form of payment.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX I.C. System, Inc. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : FORMAL DEBT VALIDATION DEMAND IMMEDIATE NOTICE OF DISPUTE Account : I C SYSTEM XXXX Alleged Amount : {$560.00} To Whom It May Concern, I am in receipt of your recent communication regarding the above-referenced alleged debt. This letter serves as a formal dispute and demand for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) and ( b ). 

I do not acknowledge, do not recognize, and do not accept liability for this alleged obligation. 

DEMAND FOR STRICT VALIDATION Under 15 U.S.C. 1692g ( b ), once a debt is disputed, all collection activity must immediately cease until full validation is provided. This includes, but is not limited to, credit reporting, updating, verifying, re-aging, transferring, selling, or attempting to collect this account. 

You are hereby required to provide competent, admissible evidence proving the existence and enforceability of this alleged debt, including : A copy of the original signed contract or application bearing my signature A complete itemized accounting from the original creditor Proof of ownership, including the entire chain of assignment from the original creditor to I.C. System, Inc.

The name and address of the original creditor Proof that I.C. System, Inc. is properly licensed and authorized to collect debts in the state of Iowa Documentation proving the accuracy and legal basis of the amount claimed NOTICE OF LEGAL VIOLATIONS Any continued collection activityincluding credit reporting to XXXX XXXX XXXX XXXXprior to providing full validation constitutes a knowing and willful violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692e. 

Be advised that credit reporting is a form of collection activity. Any attempt to verify, update, or maintain this tradeline without proper validation will be documented as an intentional federal violation, subject to : Statutory damages Actual damages Attorneys fees and costs Formal complaints filed with the CFPB, FTC, and the Iowa Attorney General FINAL DEMAND If you are unable or unwilling to provide the above-required validation, you are legally obligated to : Cease all collection activity immediately, and Delete any and all credit reporting related to this alleged account Failure to comply will result in immediate escalation without further notice. 

Govern yourself accordingly. 

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 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
I have filed complaints in regards to ED Financial regarding my loans. At this time, ED Financial reported that they have been awaiting from XXXX as the checks were originally sent to XXXX rather than ED Financial. After their investigation, the confirmed they have been waiting for XXXX to send the monies back to ED Financial so as this would provide {$0.00} balance to my outstanding loans. 
Neither ED Financial or XXXX have responded and or fixed the situation. 
Please help! 

Loans from ED Financial total {$32000.00}, and I have been informed by them that XXXX had received the checks and awaiting further action from XXXX. It has been many months and XXXX has yet to sent them the monies owed to them from me. 
This has caused major stress in my life. It is beyond devastating as these loans were paid off in XXXXXXXX XXXX, almost XXXX yr later not resolved. 
Please be aware, I will also file another compliant against XXXX for overpayment on my part of {$27000.00} which they have confirmed will be a refund back to me. 
All these loans were paid directly from my title company ( as I took a home equity loan to pay off loans ) and the title company used my credit report to pay off loans, directly sending payment to them. 
Please please help, this has been an ongoing issue and though they respond to you, they have not cleared my accounts, and I have not received my refund after many emails and phone calls. 
People should not be treated this way at all, this is a huge discrepancy in our system!! Ive worked very diligently in the health care field/emergency department my entire career, caring for people, saving lives for a living, endless hours of stress, and devoting over XXXX hours daily to help total strangers in need of my services, never lacking empathy or skills. Now in turn, I can't even get my money back after so many years serving people and communities in need! 
This has been a disgrace and disservice!!!!!! XXXX should be ashamed of how they treat people that have earned an education ( paid for it ), devoting their lives to helping others!!! Shame on these agencies. 
Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I have repeatedly attempted to contact MOHELA regarding a critical issue with my student loan auto-pay. My current payment does not cover the monthly interest on my loans, causing my balance to increase instead of decrease. This directly harms my financial stability and credit profile. 

I was advised to enroll in this repayment plan without being informed that the assigned payment would be insufficient to even cover interest. My goal is to protect and improve my creditnot damage it. 

I attempted to escalate this issue directly and even sent a formal escalation email, which was rejected by MOHELAs server. I have received no response to multiple prior messages. 

I am requesting immediate resolution of the following : 1. A full breakdown of how much interest accrues each month across all of my loans.

2. Confirmation of the minimum payment required to fully cover monthly interest.

3. Adjustment of my auto-pay to a fixed amount that prevents my balance from growing.

4. Clear guidance on whether I should remain on this plan with a higher payment or switch to a plan that better supports credit stability. 

This issue is time-sensitive and financially harmful if left unresolved.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 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: CITIBANK, N.A.
State: OH

Complaint narrative:
My credit report ( XXXX  and XXXX  ) shows a Citi Secured Card with a charged-off balance of {$130.00}. I am attempting to pay this debt in full immediately. 

I called Citi Customer Service ( XXXX ) on XX/XX/year>, to make this payment. The automated system stated it could not find an account under my SSN. When I reached a human representative, they also failed to locate the account manually and transferred me to a dispute department that could not help. 

I am trying to resolve this debt, but Citis internal systems can not find the account that Citi is actively reporting to my credit bureaus.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation