vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
In XX/XX/2025, I entered into a 4-month repayment plan with Rocket Mortgage to cure a delinquency on my mortgage loan. The approval letter dated XX/XX/2025, stated that my past-due amount was {$5500.00} and noted that the past-due amount may include unpaid principal, interest, escrow, late charges, and advances. The letter also stated that completion of the repayment plan would bring the loan current. 

The repayment plan required monthly payments of {$3600.00} for four months, consisting of my regular monthly payment of {$2400.00} plus an additional {$1200.00} toward the delinquency. I successfully completed all required payments under the plan. 

After completing the plan, I discovered that {$650.00} in late fees remained outstanding on the loan. I contacted Rocket Mortgage and was informed that although the past-due amount at the time was {$5500.00} ( which included late fees ), the repayment plan was internally calculated using only {$4900.00} ( two monthly payments of {$2400.00} ), and that the {$650.00} in late fees were intentionally excluded from the plan. I was told that these late fees would remain on the loan balance until paid. 

At no point in the approval letter or during discussions with representatives was I informed that a different amount was being used to calculate the repayment plan than the stated past-due balance, or that late fees tied to the stated delinquency would remain on the account after successful completion of the plan. The letter indicated the past-due amount may include late charges and represented that completion of the plan would bring the loan current. 

I requested clarification, escalation to management, and a goodwill waiver of the late fees due to this disclosure discrepancy. Rocket Mortgage acknowledged confusion but declined to waive the {$650.00}. 

My concern is that the borrower-facing approval letter disclosed one past-due amount while the repayment plan was calculated using a different amount without disclosure. I relied on the written approval letter when entering and completing the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Mercury Technologies, Inc.

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized withdrawal of {$1100.00} from my Mercury account. Mercury is a U.S.-based financial technology company providing business banking services through its partner banks ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I did not initiate, authorize, or approve this transaction. No one-time password ( OTP ), verification code, or security confirmation was requested from me or approved by me for this withdrawal. 

Immediately after receiving notification of the transaction on XX/XX/XXXX, I contacted Mercury support and reported the transaction as unauthorized and fraudulent. I clearly informed them that I did not make or approve this withdrawal and requested that the transfer be stopped and investigated.

Mercury later informed me that the funds had already been withdrawn and could not be recovered. I requested a full fraud investigation and asked for the following information : full transaction details, IP address logs, device access records, authorization verification records, and an explanation of how the withdrawal was processed without OTP or proper authentication. I also requested reimbursement of the unauthorized {$1100.00}.

Mercury has not provided sufficient explanation or proof that this transaction was properly authorized. They have also not reimbursed the stolen funds.

Prior to this incident, Mercury had informed me that they were unable to continue providing services to my account. Shortly after this notice, the unauthorized withdrawal occurred, which raises serious concerns about the security of my account and their internal controls.

I believe Mercury failed to properly safeguard my account and failed to protect me from unauthorized access and fraud. I am requesting a full investigation and reimbursement of the {$1100.00} unauthorized withdrawal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital System attempts to collect debt of XXXX that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
To Whom It May Concern, Please accept this letter as a formal demand for the {$250.00} promotional bonus owed to me regarding the opening of my new Traditional Savings and Checking accounts. 

Background of the Dispute On XX/XX/year>, I opened a new checking and savings account under a promotional offer. According to the terms provided : 1. I opened the accounts simultaneously.

2. I deposited {$3000.00} in new funds into the bank within 30 days.

3. I maintained a daily balance of {$3000.00} for the requi
red 90-day period.

The Basis of My Claim First Horizon has denied my bonus on the grounds that the {$3000.00} was moved from my First Horizon checking account into my savings account, rather than being deposited directly into the savings account. 

However, your written terms state only that a client must : " ... Deposit a total of {$3000.00} or more in new funds into the new savings account within 30 days ... '' The terms do not specify the method of deposit, nor do they prohibit internal transfers of " new funds '' that were brought into the institution specifically for this promotion. As the funds originated from an external institution and were not " money [ previously ] held by [ me ] at First Horizon, '' they constitute " new funds '' under any reasonable interpretation of the text. 

Under the principle of contra proferentem, any ambiguity in a standardized contract must be interpreted in favor of the party who did not draft it. Because your terms failed to explicitly state that funds must be deposited via an external ACH or check directly into the savings account, my fulfillment of the balance and time requirements constitutes full performance of the contract. 

Settlement Demand I am requesting the immediate payment of {$250.00} to me at the address noted above. 

If this matter is not resolved within 14 business days, I intend to pursue further action, which may include : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Reporting the matter to the Office of the Comptroller of the Currency ( OCC ).

Initiating a claim in Small Claims Court for the bonus amount plus court costs and interest. 

I would prefer to resolve this amicably. I look forward to your prompt response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: OK

Complaint narrative:
DEBT VALIDATION LETTER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear KIMBALL TIREY STJOHN, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX. I purchased a carpet shampooer from XXXX. I found out after making the purchase that it was a organization known for creating fake XXXX websites. Per Venmo policies, I emailed XXXX 20 minutes after I discovered that the purchase I made was on an imposter XXXX website. Venmo 's policy clearly indicates that if I notified them within 30 minutes of the charge, I would get a refund. I also called Venmo customer service department and spoke with XXXX XXXX Who sent me an email asking me to upload documents supporting my dispute, which I did. He told me the documents would be reviewed and he would get back to me. Not only did he not get back to me, I was not refunded the amount per Venmo policies. 

I had to call Venmo again the following day and spoke with XXXX who told me she would reach out to XXXX to verify what was going on with my refund. She then told me because the transaction posted Venmo would not be able to refund me and I would have to file a dispute, further delaying my refund. I am furious. I have been a customer for several years and XXXXPayPal is not protecting me as a consumer, which is against The consumer Financial protection, bureau, and The federal trade commission XXXX 

I followed Venmo 's company policy by reporting the transaction within XXXX minutes and to date I have not received a refund. Furthermore, I reached out to the merchant XXXX XXXX, and they tried to refund me, but Venmo rejected it. I have documentation of all correspondence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this complaint regarding the conduct of XXXX XXXX XXXX in connection with a medical collection account being reported on my consumer credit file. 

XXXX XXXX XXXX is reporting a collection account in the amount of {$1300.00} allegedly related to XXXX XXXX XXXX XXXX XXXX. I dispute the validity, accuracy, and enforceability of this alleged obligation. 

I did not receive adequate prior notice of this account before it was reported to consumer reporting agencies. I did not receive proper validation documentation establishing that I am legally obligated for the specific amount being reported. The account was placed into collections and reported without providing sufficient documentation showing assignment, itemization of charges, or proof of my contractual responsibility. 

I have formally requested validation of this debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, I have not received competent documentary evidence establishing the validity of this alleged debt. 

Additionally, XXXX XXXX XXXX is reporting this account to consumer reporting agencies. Under 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or should know is inaccurate and must report accounts as disputed when a dispute has been made. I am concerned that the reporting may not comply with these statutory requirements. 

I am further concerned that my personal identifying information may have been compromised. I was affected by the XXXX  Equifax data breach, which exposed sensitive consumer information. As a result, I am especially vigilant regarding accounts that I do not recognize or that lack proper documentation. The appearance of this collection account without sufficient validation raises concerns about whether my personal identifying information has been used improperly. 

I am requesting that the CFPB investigate whether XXXX, XXXX : Properly validated the alleged debt prior to reporting. 

Possesses documentation proving assignment and authority to collect. 

Is accurately reporting the Date of First Delinquency. 

Is complying with federal requirements for reporting disputed debts. 

Is maintaining reasonable procedures to ensure maximum possible accuracy when furnishing information. 

I am requesting that this account be deleted from my credit file unless XXXX XXXX XXXX can provide competent documentary evidence establishing my legal obligation for the specific amount being reported. 

This matter has negatively impacted my credit profile and financial standing. I am requesting regulatory review to ensure compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adela, Inc
State: MS

Complaint narrative:
I am submitting this complaint regarding the conduct of Adela , Inc. in connection with a medical collection account being reported on my consumer credit file. 

Adela , Inc. is reporting a collection account in the amount of {$1300.00} allegedly related to XXXX XXXX XXXX XXXX XXXX. I dispute the validity, accuracy, and enforceability of this alleged obligation. 

I did not receive adequate prior notice of this account before it was reported to consumer reporting agencies. I did not receive proper validation documentation establishing that I am legally obligated for the specific amount being reported. The account was placed into collections and reported without providing sufficient documentation showing assignment, itemization of charges, or proof of my contractual responsibility. 

I have formally requested validation of this debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, I have not received competent documentary evidence establishing the validity of this alleged debt. 

Additionally, Adela , Inc. is reporting this account to consumer reporting agencies. Under 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or should know is inaccurate and must report accounts as disputed when a dispute has been made. I am concerned that the reporting may not comply with these statutory requirements. 

I am further concerned that my personal identifying information may have been compromised. I was affected by the 2017 XXXX data breach, which exposed sensitive consumer information. As a result, I am especially vigilant regarding accounts that I do not recognize or that lack proper documentation. The appearance of this collection account without sufficient validation raises concerns about whether my personal identifying information has been used improperly. 

I am requesting that the CFPB investigate whether Adela, Inc. : Properly validated the alleged debt prior to reporting. 

Possesses documentation proving assignment and authority to collect. 

Is accurately reporting the Date of First Delinquency. 

Is complying with federal requirements for reporting disputed debts. 

Is maintaining reasonable procedures to ensure maximum possible accuracy when furnishing information. 

I am requesting that this account be deleted from my credit file unless Adela , Inc. can provide competent documentary evidence establishing my legal obligation for the specific amount being reported. 

This matter has negatively impacted my credit profile and financial standing. I am requesting regulatory review to ensure compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC
State: NY

Complaint narrative:
I would greatly appreciate your immediate assistance in resolving this matter, as my consumer rights are being violated. 

Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to cease collection activities and provide proper validation of a debt when a written dispute is submitted within 30 days of the initial communication. The accounts I have referenced are not 100 % accurate, and I have yet to receive competent evidence validating the alleged debt. 

I have made multiple good-faith efforts to contact the creditors and request the removal of these collection accounts, including written correspondence and formal disputes ; however, I have received no meaningful response. Despite my attempts to resolve this matter directly and amicably, the lack of communication and failure to provide proper validation has left these inaccurate accounts unresolved. This continued inaction is unacceptable and continues to cause harm to my credit profile. 
Account-REVCO XXXX XXXX Amount- {$5000.00} Specifically, I have not been provided with : A copy of any signed agreement bearing my signature ; A complete and itemized account history ; Documentation establishing your legal authority to collect on the alleged debt. 

Until such validation is properly provided, you are required to cease all collection efforts, including reporting this account to any consumer reporting agency. 

Additionally, under 12 C.F.R. 1006.34 ( b ) ( 5 ), collectors are required to provide certain validation information before continuing collection activity. Despite this requirement, your company has recently placed a collection account on my consumer report without first providing the legally required validation. 

Furthermore, under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are obligated to report only accurate and complete information. Reporting unverifiable, incomplete, or inaccurate data constitutes a violation of federal law. 

I respectfully request immediate compliance with federal law and the prompt removal of any unverified or inaccurate information from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I got a text today saying I owe money to One Main Financial which is not correct. I inquired about a loan few months back but they called me and I canceled my application which I got a confirmation on. They have sold my information and I never got something in the mail about a collection notice. I did not even signed a contract with them. I am including email from One Main Financial showing that they even recently offered me a loan and the text I got from XXXX XXXX alleging now I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I deposited a check for XXXX dollars into my 5th 3rd account on XX/XX/year> i was told my money would clear by XX/XX/year>, on XX/XX/year> when they money wasnt in my account i went to the bank to talk with a banker and find out where my money is, the banker told me there was a hold on the check, the notice i got from my bank says the reason for the hold is that there is " confidential information that the check may not be paid ''. The chech alhas already came out of the other persons account, i have proof of this. 5th 3rd still refuses to release my money saying they need extra time to verify the check. It makea no sense why they need this time when 5th 3rd already has my XXXX dollars. I cant even cancel the check and get a new 1 because 5th 3rd has already taken the money from the other persons account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
This account is invalid and can not be verified. I have formally requested documentation from the collection agency proving the debt is valid ( original contract stating I owe the said amount, account ledger, and proof of assignment ), and they have failed to provide sufficient verification. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, you are legally required to remove any information that can not be verified. Continued reporting of this unverifiable account is a violation of the FCRA, and I reserve the right to pursue all legal remedies available to me, including filing complaints with the CFPB and pursuing damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation