vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Re : Consumer Report Dispute and File Disclosure To Whom It May Concern, I am requesting full disclosure of my consumer report and disputing any inaccurate or unverifiable information contained within my file. Under the Fair Credit Reporting Act, please provide : XXXX. A complete copy of my consumer file XXXX. The source of all negative entries XXXX. Verification documentation for any reported banking history XXXX. Removal of any information that can not be verified If any financial institution including Citizens Bank, XXXX XXXX, XXXX XXXX, or XXXX has submitted information about me, I request full documentation and verification of that reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: IL

Complaint narrative:
NATIONAL RECOVERY AGEN is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL RECOVERY AGEN 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
Consumer complaint received 2026-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: NJ

Complaint narrative:
I am submitting a follow-up complaint regarding Village Capital & Investment LLCs continued refusal to properly apply my New Jersey 100 % XXXX Veteran Property Tax Exemption to my mortgage escrow account. 

I previously notified Village Capital and provided the official township documentation confirming my exemption. Despite receiving this documentation, the company continues to charge property taxes through my escrow and refuses to correct the account in a timely manner. 

On XX/XX/year> at XXXX AM, I called Village Capital for a follow-up because no action has been taken. I spoke with a representative named XXXX. During this call : -I was told I must wait until XXXX for the issue to be reviewed or corrected. 
XXXX requested to speak with a supervisor and was told no supervisor was available. 
XXXX requested a supervisor call back, and was told no one could call me back. 
-I was told to continue making payments, ask family and friends for help, and hope it is fixed by XXXX. 

This response is unacceptable and financially harmful. 

As a 100 % XXXX Veteran in the State of New Jersey, I am legally exempt from property taxes on my primary residence. Village Capital is improperly collecting escrow funds for taxes that I do not owe, which is inflating my mortgage payment and creating unnecessary financial hardship. 

Village Capital has : -Failed to properly investigate and correct the escrow account in a reasonable timeframe -Failed to provide escalation or supervisory support -Provided dismissive and inappropriate guidance telling me to seek financial help from family and friends instead of correcting their error I am requesting CFPB assistance to require Village Capital to : -Immediately apply my 100 % XXXX Veteran property tax exemption -Correct my escrow account without further delay -Provide a written explanation of how this error occurred and how it will be prevented in the future I have already provided documentation from the township confirming my exemption. 
This issue has been ongoing and Village Capital continues to delay resolution while requiring me to make inflated mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO 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 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Since XXXX XXXX  Capital One bank continue to Fraud my account, stealing my money, charging illegal high interest rates, no available credit, Capital One continue to sabotage my XXXX account. I HAVE NEVER MISSED A PAYMENT. As of today the fraud has continued I have sent them email showing and asking them to straighten up my account so I can pay it off. My payment in XX/XX/XXXXXXXX XXXX XXXX owed was {$43.00} I paid {$500.00}. I need help XXXX XXXX old.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: DailyPay, Inc
State: OH

Complaint narrative:
Between XX/XX/XXXX and XXXX of XXXX, about XXXX unauthorized transactions were on my account from XXXX XXXX and XXXX, and an additional XXXX foreign transaction fees all totaling in {$290.00}. I filed a dispute on XX/XX/XXXX. I was told that an investigation up to XXXX  days would be started in which I would be sent documentation via email in this matter. Today on XX/XX/XXXX. I contacted customer service representative to find out about resolution outcomes due to no communication or correspondence via email from daily pay. Customer service representative informed me that the matter could now take up to XXXX more days to resolve. This became alarming due to a similar situation Ive previously encountered with the company a year ago. My claim was dismissed due to lack of evidence. I asked to speak with an escalation specialist and once transferred, he stated that this was not his concern. Instead i was constantly redirected to attempt to close my account prior to resolution. I asked for additional information to contact a supervisor or higher and was only told they could send an email on my behalf but not provide me with any information further. Daily pay does not provide transaction history statement with transactions and fees, only transfer statements. This prevents independent verification of unauthorized transactions or charges. Also today XX/XX/XXXX at approximately XXXX, while attempting to screenshot unauthorized foreign transactions, multiple transactions were changed from actual dollar amounts to {$0.00} in real time and some of the total dollar amounts were altered. I proceeded to record what I could with screenshots and screen recordings, however, the fees charged to my account previously that I was viewing a few minutes before, suddenly disappeared from the transaction list immediately. This was not accredited to my account so I questioned why the fees charged were suddenly changed to {$0.00}. Customer service has been dismissive stating it wasnt his concern and I fear for safety of my money with daily pay as I do use the service quite frequently to access payday funds early. I was able to document all unauthorized transaction totals prior to the deletion of my transaction history. I provided attachments of some of the unauthorized transactions that have been altered along with the foreign transaction fees that have been changed to {$0.00} today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
Advance America when I opened the loan they said no interest rates would apply to the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NY

Complaint narrative:
I opened Discover card over 10 years ago. Recently when I log in to my account online, found 3 phone numbers which except one cell phone number I am currently using and the land line number ( no longer the phone number is registered with me ) and other phone number I never used. 

I asked Discover customer service to remove but it has been over 4 months Discover haven't fixed the problem yet. 

If other phone numbers accessing my account meaning, the credit cards are being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The Chase Sapphire Reserve has a {$75000.00} spending goal, in which you reach, you get additional benefits for the next calendar year ( {$500.00} XXXX  XXXX, a list, XXXX XXXX status, etc ) I have reached this goal in XXXX, before the statement cycle ended for that month on XX/XX/XXXX. Then I got the message that it is locked until youre next statement cycle ( this was before XX/XX/XXXX ). 

Almost 2 months later and 2 escalations through Chase Sapphire Reserve customer service, it is still showing locked. Now I cant use the benefits I have been expecting for upcoming travel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX I used PayPal to send {$6400.00} to XXXX XXXX XXXX in the XXXX for parts and installation of solar system. 
PayPal said that XXXX should have receive the money on XXXX XXXX. 
XXXX receive a message that he would have to wait 180 days to receive the money in Peso ( XXXXXXXX XXXX XXXX. XXXX several times he contacted PayPal with no help. 
On XXXX XXXX I filed a request to cancel the money sent do to the fact that XXXX would have to wit 180 days before he receives payment. 
On XXXX XXXX PayPal sent me email saying case closed and in favor of buyer. The buyer, XXXX, also want the money refunded back to me as XXXX now has problems with PayPal. 
XXXX sent me screen shots from Pay Pal that states that PayPal is limited his account and that they are no longer offering service to his account. 
PayPal still has the money but will not release it to either XXXX or myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
In XXXX I purchased solar panels for my home from XXXX  and goodleap financed it. In XXXX of XXXX my solar system went down and it stopped producing energy for credits to XXXX until XXXX of XXXX. I only became aware of this when I received a true up bill from XXXX in the amount of {$5000.00}. I contacted XXXX  to see what's going on and they told me that they went through a system change in XXXX and that probably caused their system to drop my system from their monitoring system which prevented them from knowing that my system went down. They apologize and admitted fault. They also sent out a technician and discovered that a part on my system was broken which caused my system to turn off but refused to take any accountability for the financial burden from XXXX when they admitted fault. XXXX is now threatening to turn off my power and goodleap is demanding payments or they'll send me to collection and ruining my credit. I need XXXX  to pay their {$5000.00} mistake so that I will have the funds to continue my payments to goodleap. I need assistance and advice on what to do. Legal action is only going to cost me more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: VA

Complaint narrative:
To Whom It May Concern, I am requesting an investigation and correction to several EDFINANCIAL student loan accounts on my credit report.

These accounts have been paid in full but are still reporting as open and current. The only active student loan I currently have is with XXXX XXXX XXXX for XXXX that is currently being paid. 

Please update the following EDFINANCIAL accounts to reflect : Closed Paid in Full If these accounts can not be verified as open with a balance, I request they be corrected or removed under the Fair Credit Reporting Act. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
Im submitting this complaint regarding a collection account reported by Qualia Collection Services. 

In or around XX/XX/XXXX, a move-out charge of {$270.00} from my former apartment was sent to collections and reported by Qualia Collection Services . 
On XX/XX/XXXX, I paid the full balance of {$270.00}, and the account balance is now {$0.00}. 

After the payment, I disputed the account with XXXX  and XXXX  and provided proof of payment. 
On XX/XX/XXXX, XXXX  responded that the account was verified as accurate but updated to reflect the paid status. 
XXXX  later responded that the account information was updated to show a XXXX balance and recent payment activity ; however, the collection account continues to be reported. 

I am not disputing that the original charge existed. This was a one-time move-out charge related to a former apartment. The debt has been paid in full, but the continued reporting of this paid collection is causing ongoing and disproportionate negative impact to my credit score.

I am respectfully requesting a goodwill removal of this paid collection account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
This account is fraud and I NEVER opened any account on XX/XX/year> with Vance Huffman or XXXX XXXX XXXX I have disputed the Validation and have'nt been verified with any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Good day. I must emphasize how frustrating and debilitating this situation has been. One day, I woke up to discover a debt that I know nothing aboutan unverified amount that is not mine. Since then, I've been subjected to harassment through multiple communication platforms using various tactics. I never imagined starting my day with threats of legal action. As a law-abiding citizen, this is deeply insulting, as it blatantly violates my rights as a consumer. The ordeal has severely impacted my mental health, leaving me with sleepless nights for days.

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 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have a title loan with TitleMax that has become impossible to repay due to excessive and continuously increasing fees. Monthly payments that were previously manageable have increased significantly, despite my consistent efforts to make payments. 

In the past, my payments were occasionally made a few days late and were accepted without severe penalties. Recently, however, the fees and charges have increased dramatically, causing my balance to grow rather than decrease. Payments appear to be applied primarily to fees instead of principal, which has trapped me in ongoing debt. 

When I contact the store for assistance, the staff are rude, dismissive, and refuse to offer any hardship options or reasonable payment arrangements. Instead, they repeatedly threaten repossession, which has caused me significant XXXX  and financial hardship. 

I am paid biweekly, making the current payment structure unrealistic. Despite my willingness to pay and resolve the loan, the excessive fees make it impossible to reduce the principal or reach payoff. 

I am requesting a full review of my loan, an itemized breakdown of all fees and interest charged, and reasonable repayment or payoff options without continued excessive or predatory fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis 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 2026-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
This bill was due to a hospital visit in XXXX. I had insurance when I went to the hospital I gave them that info. The hospital failed to bill my insurance in the proper time window amd now it's to late to bill my insurance. They have now sent my bill to XXXXXXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX. I have told them to stop contacting me and they have sent a itemized bill to my grandmother 's house. A house I don't live at. I provided the hospital with the information they needed to bill my insurance and they failed to do so in a timely manner I dont know why they gave all my personal info to a debt collector and why they have a itemized list that only the hospital should have.

Company response to consumer: Closed with explanation