vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally dispute an accounts that appears on my credit report which I do not recognize. I believe those accounts are the result of identity theft, and I did not open, authorize, or benefit from this accounts in any way. 
The account in question is listed as follows : 1.Creditor Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX 2.Creditor Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX 3.Creditor Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX 4.Creditor Name : XXXXXXXX XXXX Date Opened : XX/XX/XXXX 4.Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX 4.Creditor Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX 4.Creditor Name : XXXX XXXX Date Opened : XX/XX/XXXX 4.Creditor Name : XXXX XXXX Date Opened : XX/XX/XXXX I have never had any business relationship with this companies, and I did not give permission for anyone to open this accounts on my behalf. I am requesting that this accounts be investigated and removed from my credit report immediately. 
Under the Fair Credit Reporting Act, I repectfully request that you conduct a prompt investigation and provide me with written confirmation once this inaccurate information has been completely removed from my credit history. 

Thank you for you cooperation on this matter. 

Best regards.

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 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I was first contacted, via email, on XX/XX/year>, by Columbia Debt Recovery LLC, dba Genesis, a debt collector, stating that owed them {$7400.00}. I contacted them and informed them that I do not owe them or have a debt with them and to send me documents of our contract and itemized statement of charges. I looked at my credit report and saw that the original creditor had reported this debt closed/paid. I informed Genesis of this, and they told me that was not correct and now they are reporting this collection on my credit report. They will not send me any proof of contracts or signed documents and in fact argued with me that I should already have them. I have been contacted via email at least 22 times, made several phone calls to their office, and countless mailed documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
On XX/XX/scrub> 2025 i refinanced my home with a new mortgage company with Guaranteed Rate ( previous Mortgage firm ) confirming full payoff on that date. Guaranteed Rate has an unused escrow of {$5000.00}. In speaking with guarantee rate they confirm this amount but to date are not returning the funds per XXXX which gives XXXX business date or XXXX calendar days. After countless emails and waiting on hold for hours only to be hung up on multiple times they continue to provide the run around on the funds and continue to claim they dont need to return them in any required amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
Midland Credit Management XXXX XXXX ( FCRA + FDCPA XX/XX/XXXXXX/XX/XXXX XXXX XXXX FCRA XXXX, XXXX, XXXX Violacin FDCPA XXXXXX/XX/XXXXDELETION XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off + balanceXX/XX/XXXXXXXX XXXX Re-aging ilegal Violaciones FCRA + Metro 2XX/XX/XXXXXXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXFCRA XXXX ( a ) ( XXXX ) DELETION XXXX XXXX XXXX Bank Reported by : XX/XX/XXXX Issue : Charge-off illegally re-aged and updated monthly Violations : FCRA XXXX ( b ), XXXX ( a ) ( XXXX ), Metro 2 XX/XX/XXXX Bank Reported by : XX/XX/XXXX Issue : Sold / charge-off without XX/XX/XXXXdisclosure or verification Violations : FCRA XXXX ( b ), XXXX ( a ) XXXX XXXX Reported by :XX/XX/XXXX Issue : Negative payment history on paid/closed account Violations XXXX FCRA XXXX ( b ), XXXX ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist would not allow my payment to process through online systems and in a timely fashion giving an error message stating that Truist was unable to verify that I was the owner of the account I was using to pay my mortgage, even though the legal name on my loan and the name on my checking account are the exact same. I was forced to call and process the payment through their automated system on XX/XX/year>, and then spoke to a support individual who stated that now that I am paid in full, I can set up a biweekly payment through the online system. I attempted to login online to sign up for biweekly payments and once again was met with the same ownership validation message on XX/XX/year>. This all seems like an elaborate rouse to force you into opening only a Truist bank account or an opportunity to charge late fees due to the fact that " they can't validate ownership '' when I've now paid my mortgage XXXX times from the exact same account.

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 2026-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
Stenger & Stenger, P.C., through attorneys XXXX XXXX and XXXX XXXX, engaged in debt collection activity in connection with an alleged auto loan debt originally associated with XXXX XXXX XXXX. The firm identified itself as a debt collector and initiated and prosecuted a civil lawsuit in Ohio asserting authority to collect and enforce the debt claiming to be prosecuting this case as attorneys for XXXX XXXX XXXX. 

This conduct violated the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. XXXXe by making false, deceptive, and misleading representations regarding the character, legal status, and ownership of the alleged debt, including representing that it had authority to collect and litigate on behalf of XXXX XXXX XXXX when it did not ; 15 U.S.C. XXXX ( XXXX ) ( A ) by misrepresenting the legal status of the debt and the identity of the creditor ; 15 U.S.C. XXXX ( XXXX ) by taking legal action without the present right to do so ; 15 U.S.C. XXXX ( a ) and ( b ) by failing to provide meaningful validation of the debt after it was disputed, including failure to provide proof of ownership, assignment, or chain of title, while continuing collection and litigation activity. 

XXXX XXXX XXXX representatives directly confirmed to me that XXXX no longer owned the debt, that the account had been transferred to an external third-party collection agency that is NOT Stenger & Stenger P.C. , and that XXXX could not accept payment because it no longer possessed the account. Despite this, Stenger & Stenger , P.C. continued to prosecute the lawsuit and engage in collection activity without producing documentation establishing lawful authority to do so. 

The lawsuit filed and maintained by Stenger & Stenger , P.C. itself constitutes evidence of these violations, as it asserts collection and enforcement rights that were not supported by ownership or valid assignment at the time the action was pursued. 

As a result of these violations, I incurred financial burden responding to unlawful collection litigation, suffered damage to my credit reporting and reputation, and experienced significant stress and harm related to the improper debt collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
we started this process in the past. In XXXX we started it again. We submitted a complete package along with XXXX extensions on the sale date They did not even look at it because it was less than XX/XX/XXXX days before the first sale which was XX/XX/XXXX. All they did was look at the loan # and discarded it. We were denied because of the XXXX XXXX guideline it would not reduce my payment. We then contacted XXXX XXXX and XXXX suggested sending over a new package for a manual review. She also stated if declined see if you can get them to make an exception. We sent paystubs for my husband and myself, bank statements, hardship letter, last XX/XX/XXXX years taxes, my husband 's contributor form as requested by XXXX XXXX. On XX/XX/XXXX we received a letter that the file was in review and no action needed at this time that they would let me know id anything was needed. I never received anything from them. They postponed the sale until XX/XX/XXXX. Now they are stating again I was denied. It is my understanding that on XX/XX/XXXX XXXX XXXX reached out to the servicer to look at it for an exception because even if it increased with XXXX incomes it would be affordable. Now they sent another application to fill out and send documents which I know is to only deny me because it is XX/XX/XXXX days less than the sale date. SUCH GAME PLAYING. They are denying me for about XXXX monthly, we have XXXX coming into the household to take someone's house for XXXX is disgusting. All they think about is XX/XX/XXXXThey have too much power! Glorified collection agency 's that add bogus fees on to the loan. You can't reach your dedicated loan specialist they never call you back. Every time you call you get different information. There are many attachments that prove what I am saying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, I received a PayPal notification stating that a new phone number had been added to my account. I did not authorize this change. PayPals notification instructed that if I did not make the change, I should log in and change my password. I followed those instructions and logged in solely to secure my account. 

On XX/XX/scrub>, 2025, I received another PayPal notification stating that a new XXXX email address had been added to my account. I did not authorize this change. Before I logged in to correct it, XXXX unauthorized {$100.00} transactions occurred, including a withdrawal to a linked bank account and a transaction involving a cryptocurrency exchange. 

After discovering the unauthorized email change and transactions, I logged in again to restore my original email address and contacted PayPal customer service by phone on XX/XX/scrub> 2025 to report the unauthorized activity. 

PayPal denied my unauthorized activity claim, stating that login activity, device identifiers, IP addresses, and biometric login indicated authorized access. However, PayPal has not provided documentation showing how the phone number and email address changes were approved, including records of the login used to make those changes, identity verification performed, phone call recordings, or IDs used to authorize the account modifications. 

Despite multiple requests, PayPal has failed to provide this documentation and has limited its response to login and IP information that occurred after I followed PayPals instructions to secure my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I opened a Citibank checking account and enrolled in the " Welcome to Checking Cash Bonus Offer. '' On XX/XX/XXXX I received an email from Citibank confirming my enrollment. The offer required a deposit of a total of {$30000.00} ( which could be held between the checking account and a savings account ) within XXXX days of the opening of the checking account, and then maintaining that balance for an additional XXXX days. Once that was done an award of {$750.00} was to be deposited in the checking account. I fulfilled all of these requirements, and never received the award. 

I contacted the Citibank on XX/XX/XXXX ( first by chat and, when I could not get any information form the employee, by a followup phone call to the contact telephone number furnished by the chat employee. I was informed that I was " disqualified '' from the award because I had closed ( another ) Citibank checking account within XXXX  days. ( This was false. I have not had, let alone closed, any other Citibank checking account for several years. ) When I asked about the details of this ( non-existent ) checking account viz ; date opened, date closed, amounts deposited etc. I was told they could not provide that information. This is a blatant attempt by Citibank to renege on the terms of the bonus offer. I have fulfilled all the terms and I did not close a ( non-existent ) checking account ( that I did not open. ) Please direct Citibank to credit my ( still open ) checking account with the full amount of the bonus ( {$750.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I am writing to make a discrimination complaint against the following financial institution : M & T Bank XXXX M & T XXXX XXXX, NY XXXX XXXX The complaint : On XX/XX/year>2025 ; I applied online for a credit limit increase for a credit card that I have had with this bank since XXXX 2025. 

Important to mention that my payment history on this card is fast and flawless. 

Application XXXX. XXXX My application was denied despite the fact that my XX/XX/XXXX Credit score is ( XXXX ). 

I requested the bank to reconsider my application. My request for reconsideration was also denied, however. 

The bank claims that they declined my application because of too many inquiries on my credit bureaux report, which is not true. 


I believe that this bank is biased against me and discriminating against me on the basis of perceived national origin, perceived religion, perceived race, and perceived ethnicity, Perceived religion : Individuals perceived to be part of a certain religious group are also protected from discrimination. 

This is particularly relevant for XXXX XXXX individuals, who may face religiously indiscriminate racialization or XX/XX/XXXX from others who mistakenly perceive them as XXXX. 

Federal law protects individuals from discrimination based on actual or perceived religious affiliation or ethnic characteristics. 


Federal laws likeTitle XXXX of the Civil Rights Act of XXXXandTitle XX/XX/XXXXprotect individuals from discrimination based on actual or perceived religion, shared ancestry, and ethnic characteristics in employment and federally funded programs, prohibiting bias in hiring, treatment, and services, even covering stereotypes and cultural practices linked to these traits, not just explicit religious/ethnic identity. 

XX/XX/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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX Subject : Request for Goodwill Adjustment Due to Unintentional Delinquency I am writing regarding a recent delinquency reported on my account RE : my Chase United Account Number ending in XXXX, which resulted from an unintended oversight during a transition between bank accounts. 

When I switched banks in mid XXXX, XXXX, I reviewed three months of all automated payments to ensure that subsequent payments would seamlessly transfer. Given that I use this card sparingly, no charges were present in the prior three months.

However, I did not take into account a {$95.00} annual fee which was levied last on XX/XX/XXXX, and, thus, again in XXXX, XXXX and how it would still be charged to my previous, now-closed bank account. Payment was drawn on XX/XX/XXXX and returned that same day without my awareness. Unfortunately, I also did not receive the one mailed notification from JPMC about the missed payment ( no electronic notification was sent to my email or through the app ). As a result, I was unaware of the balance due from the failed auto-payment. As soon as I received notification from credit monitoring companies, I acted promptly and paid the outstanding amount in full that day to rectify the issue. I take great pride in maintaining an excellent credit history and on-time payments, as my records over the past 20 years demonstrate.

This error resulted in a hit to my credit score of over 80 points. I kindly request that you review both my

Chase United payment history over the past decade and my overall credit profile. I do apologize profusely for this oversight but mitigated this with over 40 accounts that had automatic payments last year. Given my track record of responsible credit management and this unintentional error, I respectfully ask for a goodwill adjustment to remove the delinquency from my credit report. I deeply value our relationship and would be grateful for your consideration in this matter.

I look forward to your response and hope we can reach a resolution that reflects the overall integrity of my history.

Thank you for your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
My personal information has been shared on the black web. I have provided each company the proper documentation for my identity theft and still they are reporting inaccurate information. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( 605 ). Furthermore, under FCRA 611, you are required to conduct a reasonable reinvestigation of disputed information, and under 623, furnishers may not report information they know or should know is inaccurate or obsolete. I am demanding the following : 1. Immediate deletion of this rental property account from my credit file 2. Written confirmation that the account has been permanently removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Law Office of Nicole Hillman
State: TX

Complaint narrative:
I made arrangements to pay an old debt in XXXX. I paid the debt in XX/XX/XXXX. XXXX XXXX XXXX is the attorney of ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Practice Area : Creditor-Debtor. She, froze several of my bank accounts and froze my cashapp account in XX/XX/XXXX without my knowledge. She also froze bank accounts that I shared with business partners without my knowledge. Before XXXX XX/XX/XXXX and my son birthday in XX/XX/XXXX. She increased the debt by $ XXXX USD. I was never served paperwork from court. I never received any information or paperwork stating, she ( XXXX XXXX XXXX ) was garnishing or freezing my accounts and the accounts I shared for business. Each account she froze, she ( XXXX XXXX XXXX ) left her contact information. I called her office to speak with her and she never answered any of my calls. Her secretary ( whom I believe was actually XXXX XXXX XXXX ) took numerous messages on her behalf. XXXX XXXX XXXX never responded to any of my messages. She continue to freeze and garnished all of my wages. I thought I was being scammed or a victim of identity theft. I called her ( XXXX XXXX XXXX ) to let her know that she made a mistake and the debt was paid several years ago in XXXX before the freeze in XXXX and XXXX. She never answered my calls. She called the police and had me arrested for harassment. I received a ( n ) arrest warrant in the mail. I turned myself in to XXXX XXXX XXXX XXXX XXXX. I was arrested on XX/XX/XXXX by the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have been dealing with this matter still to this day of XXXX XXXX, XXXX. I have been checking in with bails bond weekly since turning myself in ( XX/XX/XXXX ) and reporting to court once a month since XX/XX/XXXX, I am currently living in XXXX. My attorney and XXXX have been unable to reach and contact her on several occasions over the past YEARS. Every time we ( my attorney and I ) speak to the DA/ prosecutor it's either she ( XXXX XXXX XXXX XXXX is unresponsive or she still feels threatened to this day of XXXX XXXX XXXX. I have exhausted all resources and feel as though reporting her to the CFPB is necessary to bring awareness and alert that my rights have been violated. I feel like I am being extorted and a victim of identity theft. I am in fear of my finances being garnished and my life. please help.

Company response to consumer: Closed with explanation