vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Better Mortgage, Inc.
State: CT

Complaint narrative:
I applied for a cash-out refinance through XXXX XXXX and was transferred to Better Mortgage XXXX Better Mortgage collected a {$500.00} rate lock fee via debit card. The loan was later denied. No appraisal was ordered and no third-party services were performed. 

Despite the loan denial and the fact that no appraisal or third-party costs were incurred, Better Mortgage has refused to refund the {$500.00} fee. I did not receive the benefit of a rate lock, the loan did not close, and no services were rendered in exchange for this fee. 

Better Mortgage has stated that the fee is non-refundable but has not provided any signed disclosure or agreement showing that this fee is non-refundable in the event of a loan denial when no appraisal or third-party services were ordered. 

I believe this constitutes an unearned and unfair fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CMRE Financial Services, Inc.
State: OH

Complaint narrative:
XXXX complained about : CMRE Financial Services , Inc . 
Account / Reference # : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX filing a formal complaint against CMRE Financial Services XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) related to an alleged medical debt. 

CMRE claims I owe a balance of {$230.00}, yet their own notice shows conflicting and unreliable accounting, including a large prior balance, substantial credits, and no explanation or documentation establishing the remaining amount as accurate, valid, or legally collectible. 

XXXX XXXX I dispute the debt in its entirety, including the accuracy, amount, and CMREs authority to collect. 
CMRE has failed to provide competent evidence that the alleged balance is correct or that they have legal standing to collect or report this debt. 
The notice lacks itemized billing from the original creditor and does not establish how the remaining balance was calculated. 

Violations FCRA XXXX ( a ) & ( b ) : Furnishing and/or attempting to furnish inaccurate or unverified information and failing to conduct a reasonable investigation after dispute. 
FDCPA XXXX : Misrepresenting the character, amount, or legal status of the alleged debt. 
FDCPA XXXX : Attempting to collect an amount not expressly authorized by agreement or permitted by law. 

Harm CMREs conduct has caused financial stress and exposes me to improper collection activity and potential credit reporting harm based on unverified information. 

Resolution Requested I am requesting that the CFPB require CMRE Financial Services XXXX XXXX to : XXXX. Cease all collection activity immediately XXXX. Provide full verification including itemized billing, proof of authority, and proof of accuracy or XXXX. Delete and close the account if such documentation can not be produced XXXX. Confirm that no inaccurate information is being furnished to any consumer reporting agency If CMRE can not substantiate this debt as required by federal law, continued collection or reporting should be deemed willful noncompliance. 

I appreciate the CFPBs assistance in enforcing compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charged-off account ( XXXX ) you are reporting and/or attempting to collect. I do NOT acknowledge this debt. Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I am requesting that you conduct a reasonable investigation and provide written verification of this account, including : The name and address of the original creditor, the date of the alleged charge-off, the complete payment history and itemized accounting of the balance, documentation bearing my wet signature ( not a photo copy ) showing I am legally obligated to pay, proof that your agency has the legal right to collect and report this account, and confirmation that the account is being reported accurately and consistently to all consumer reporting agencies. If you are unable to provide this documentation, you are required under the FCRA to DELETE any inaccurate or unverified information you have furnished to the credit bureaus. During the course of this investigation, you must mark this account as disputed and cease collection activity. Please communicate with me only in writing.

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

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX  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 XXXX XXXX XXXX - XXXX 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 2026-02-02 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am submitting this complaint to report what I believe to be deceptive and unfair practices by American Express which I feel warrant the CFPB review and potential audit of the companys creditmanagement and consumercommunication practices. 
Recently, my credit card account was subjected to actions that were neither disclosed nor properly justified. Specifically : I was subject to a financial review, with no justification or reason due to this review my credit limit was reduced without prior notice, explanation, or any documented change in my creditworthiness. 
No adverse information has appeared on my credit reports that would warrant such action. 
The company refused to provide a clear rationale when I contacted customer service, offering only vague statements that did not align with my account history or the Fair Credit Reporting Acts transparency principles. 
These actions may negatively impact my credit utilization ratio and overall credit standing, causing tangible harm without legitimate cause. 
This pattern of behavior suggests a lack of transparency and may constitute deceptive or unfair business practices, particularly if such creditlimit reductions are being applied broadly to consumers without proper disclosure, justification, or opportunity for corrective action. 
I am requesting that the Federal Trade Commission : Investigate these practices for potential violations of consumerprotection laws, including unfair or deceptive acts or practices. 
Audit the companys creditlimit management procedures, communication protocols, and decisionmaking algorithms that affect consumers credit profiles. 
Require the company to implement clearer, more transparent disclosures if adverse account decisions are being automated or applied inconsistently. 
I believe the companys actions are harmful not only to me but potentially to thousands of other consumers who may be experiencing similar treatment without realizing their rights. 
Please let me know if additional documentation is needed. I am willing to provide account statements, correspondence, and verification of my credit history upon request. 
Thank you for your attention to this matter and for your continued work protecting consumers. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Last XXXX digits of cards Impacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received several emails indicating that a business account was open under my name. I called Wells Fargo and they confirmed XXXX accounts were opened in my name using my social. I do not bank with Wells Fargo and I have never banked with Wells Fargo. They are working on closing accounts and provided we with identify fraud reference number. They indicated they would close my account and sent me confirmation in the mail. I did not consent to any of this

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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I checked my credit report for XXXX XXXX XXXX & someone put fraud on my credit. It says I owe but I never owed jeffcapsys I never even took out a loan so that is a FRAUD!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> my sibling was detained and held at the XXXX XXXX XXXX. I received a phone call from an individual claiming to be a sheriff from the XXXX XXXX Sheriffs Office named Deputy XXXX Badge number XXXX. This individual stated that I needed to pay a refundable fee of {$1200.00} prior to the release of my sibling through XXXX. Under the stress of the situation it did not occur to me that this could possibly be a scam and I continued on with submitting a payment of {$1000.00}, which was the max I was allowed at a time through XXXX. The phone number the payment was sent to was ( XXXX ) XXXX. When I was given a second number to send the remaining payment is when I realized that this is possibly a scam and that number was ( XXXX ) XXXX. The call sounded very legit with the individuals use of words and the background noise of radio chatter which one would think is actually a sheriffs department. Once I realized this was a scam I immediately hung up and reported the situation to my bank for a dispute.

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 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In late XX/XX/XXXX, I contacted XXXX to clarify the status of my XXXX XXXX XXXX XXXX and to confirm if my device was eligible to be unlocked. I was aware that there was a remaining balance for the XXXX XXXX XXXX XXXX, but I had no knowledge of any outstanding balance for the other devices, which had been delivered to XXXX XXXX XXXX during my port-in process. 
During my email exchange with XXXX, I learned for the first time that the outstanding balance included charges for an XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX, line ending in XXXX ), XXXX XXXX ( XXXX  XXXX, XXXX, line ending in XXXX ), and XXXX  XXXX ( XXXX, XXXX, line ending in XXXX ). I requested a detailed breakdown of the charges, including the original contract, itemized statements, and an explanation of how device credits and promotional discounts were applied and possibly reversed after my account cancellation. My online XXXX account had been blocked after porting out to XXXX XXXX XXXX  in XX/XX/XXXX, so I was unable to access my contract or billing records directly. 
Only after this exchange with XXXX did I receive a letter from Transworld Systems Inc. , the collection agency, sent to the registered agent address of my company in Florida in early XX/XX/XXXX. Prior to this, I had not received any notification from XXXX about the outstanding balance or that my account would be sent to collections. 
The collection notice lists a total amount of {$1800.00}, which appears to disregard credits from previous bills and the terms of the promotions I participated in. Additionally, XXXX is charging me the equivalent of a brand new XXXX model for an older XXXX XXXX device. The XXXX devices were delivered to XXXX XXXX XXXX during my port-in process ; I only retained the XXXX XXXX XXXX XXXX XXXX which remains in new condition. This situation has caused significant stress, especially as I am facing financial hardship due to medical expenses for my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fraudulent charges where found on my card dated XX/XX/year> and XX/XX/year> to XXXX XXXX that I had not authorized. I reported it on XX/XX/year> in the morning. Other fraudulent charges from the same company had been discovered and added to my fraud claim. Later that same day XX/XX/year> at night I saw a new charge on the card that wasn't authorized by myself. I called Capital One again that night and closed the card I physically had with me and was told a new card would be sent in XXXX business days. Unfortunately the next day on XX/XX/year> another charge would appear on my phone alert for Capital On on the XXXX XXXX that had yet to be mailed and received by me! The charge was for {$78.00} ( or there abouts ) from a online retailer of sporting goods. I had mistakenly said yes to the Capital One alert but then typed NO and then Called CapitalOne to let the know that the charge was not authorized. When I spoke to the rep the last XXXX digits of the card she spoke to me was unknown to me because I had YET to RECEIVE THE CARD THAT HAD THIS NEW CHARGE ATTEMPTED ON IT. This now means that the newest card is also already compromised without me even activating or receiving. 
I want CapitalOne to research how this happened and I am aware that all charges that I have flagged will be credited to me. 
The frequency, and the speed of which these fraudulent charges have occurred is both troubling and frustrating especially since cards were locked, changed and issued but nothing stopped them for still using a card that I have yet to receive. I need an explanation and I need this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One withdrew a {$200.00} secured card deposit on XX/XX/year>. I have written confirmation and bank records. Capital One states they can not locate my name, SSN, address, or account and will not escalate. Funds are being held without an account or refund. I am requesting immediate resolution or return of my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX, XXXX XXXX XXXX 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 2026-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding Bank XXXX XXXX handling of my late fathers accounts and the prolonged lack of communication I have experienced while attempting to administer his estate. 

In late XXXX, I visited a Bank of America branch to inquire about the process for accessing and transferring my late fathers accounts. I provided documentation demonstrating that I am the executor and sole beneficiary of his estate, as clearly stated in his will. Despite this, I was given inconsistent and unproductive guidance, including being informed that ( XXXX ) a probate judge must issue a release of the accounts and ( XXXX ) that I would need to travel to California, the state of my fathers residence, to proceed. 

Additionally, I formally requested a ( redacted ) account statement reflecting the balances as of the date of my fathers passing. To date, I have received no such documentation. My repeated phone follow-ups have gone unanswered, and calls are consistently routed to voicemail. I have also sent multiple emails over the past XXXX weeks without receiving a response. 

This matter is particularly concerning given that Bank of America was my first bank, and I maintained a personal relationship with the institution for over XXXX years. Unfortunately, this experience reflects a troubling decline in customer service, responsiveness, and professionalism. The lack of communication and prolonged delays have prevented me from accessing the estate funds necessary to continue the family business and have forced me to incur additional and avoidable legal expenses. 

I respectfully request immediate assistance in resolving this matter, including : XXXX written guidance on the specific requirements to release and transfer my late fathers accounts ; Prompt delivery of the requested account statements as of the date of death ; and Assignment of a responsive point of contact to ensure this matter is handled efficiently and without further delay. 

I would appreciate written confirmation of receipt of this complaint and a timely response outlining the XXXX Bank of America will take to remedy this situation. 

Thank you for your prompt attention to this serious matter.

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 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: U.S. BANCORP
State: ID

Complaint narrative:
Hello. I signed up for a US Bank XXXX XXXX Banking XXXX credit card. I was unaware of the central/essential billing account made on my behalf. After speaking to multiple representatives and transfers of representatives stating I owed money, a representative told me that I should have never had the Central Billing account set up since I was applying under my SSN and now a business EIN. For months I did not receive a statement due to the fact I had to set up to account first to receive statements, and eventually was getting text messages about an account that I didn't even know existed was overdue. This initially red flagged as a scam and I was eventually called by agents who couldn't identify what bank they worked with and asked for my info immediately. I know suddenly have been charged multiple fees which included overdraft and late fees and have been told my account was sent to collections. I attempted to call at another point being unable to use my card and the representative had just told me my account had been locked for fraud and that she would go ahead and unlock it for me. No warning that I had missed payments and anything of the sort. When I called I was on for over XXXX minutes in a transfer loop of no one being able to help me accurately and giving me the runaround

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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
This company keeps deleting and re-adding multiple entries on my credit report resulting in repeated score decreases. Now there are multiple duplicate entries for the same account on my report.

Company response to consumer: Closed with explanation