vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Issue : Credit card dispute services not rendered Company : Citibank Merchant : XXXX Amount : {$320.00} Complaint : I am filing a complaint regarding a {$320.00} charge from XXXX that Citibank has refused to reverse, despite the fact that no service was provided and the merchant can not verify that a valid reservation ever existed. I attempted to book a hotel stay for XX/XX/year> in XXXX, Utah through XXXX. At the time of booking, the listing stated that the reservation could be canceled by XX/XX/XXXX with no penalty. However, after completing the transaction, I never received a confirmation number or confirmation email, and I was not provided any booking receipt or contract. When I became sick and needed to cancel prior to the stated deadline, I attempted to contact XXXX. They informed me that they could not locate any reservation under my name and were unable to assist me without a confirmation number. I then contacted the hotel directly. Initially, they stated that no reservation existed under my name. Later, after I had told the hotel I was disputing the charge they claimed they had found a reservation under my name ; however, they were unable to provide a confirmation number, booking ID, or any verifiable documentation of the reservation. They also could not confirm that any check-in or stay occurred. I made multiple good-faith attempts to contact XXXX to resolve this issue ; however, their customer support system requires a valid confirmation number to access assistance. Because I was never provided a confirmation number or booking email, I was unable to connect with a live representative or manage the reservation in any way. As a result, I was effectively blocked from verifying, modifying, or canceling the booking, leaving me with no reasonable way to resolve the issue directly with the merchant. At no point was I able to access, cancel, or use a reservation, and no service was ever provided. Despite these facts, Citibank denied my dispute and continues to hold me responsible for this charge. The merchant has not provided proof of a valid reservation, confirmation number, or any documentation showing that a service was rendered. This charge is unverifiable and clearly qualifies as services not rendered.

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 monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Collection company levied my bank account and has not provided evidence of alleged debt. I have requested proof a few months back and nothing ever provided. They claim this is adept from XXXX but I have never owned a sears card. Please have them review and send me a copy of the Original credit application.

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 2026-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MIDFIRST BANK
State: FL

Complaint narrative:
During the COVID-19 pandemic, I was offered a temporary forbearance plan by XXXX XXXX XXXX I requested that, once the plan ended, my payments would be lowered or kept at their original amount. Instead, XXXX approved a modification, but failed to disclose that my interest rate would spike from 3.125 % to 7.25 %. This sudden jump would make my payments unaffordable, and Im now being pressured to sign the agreement within a few days, despite these unfair terms. I have no one to support me, and I fear this will push me toward foreclosure.

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 2026-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
My federal student loans serviced by MOHELA were in deferment until approximately late XXXX. When repayment began, I did not receive or open any billing statements or delinquency notices. In early XXXX, multiple loan accounts were reported as 90 days late at the same time, causing a significant drop in my credit score. I contacted MOHELA and was told emails were sent but never opened, and no further proof of delivery or notice was provided. I requested payment history, billing records, and proof of when repayment began and how notices were delivered, but this was not adequately provided. Additionally, these same accounts appear to be reported differently across credit bureaus, indicating inconsistent and potentially inaccurate reporting. I am requesting a full investigation, verification of proper notice, and correction or removal of inaccurate delinquency reporting.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent attached another consumers account to me despite different Social Security numbers and accepted payments from me on a debt that does not belong to me. I had no idea until I called and was informed the accounts didnt belong to me but someone else with the same name but different social security number. Im not sure how many accounts I may have been paying on that this happened with but Im still getting emails from them after informing them about the situation. They did cancel the installment plans however the system hasnt recognized because I received another email about restarting the same payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding the unlawful reporting and reinsertion of a fraudulent account associated with XXXX XXXX XXXX XXXX ( XXXX XXXX ), currently being reported by LVNV Funding LLC / Resurgent Capital Services. This account is the result of identity theft. I did not authorize, open, use, or benefit from this account in any manner. The account was previously removed from my consumer credit file following a fraud dispute and determination. Despite that prior deletion, the account has now been reinserted and is again being reported on my credit reports without lawful justification. The following conduct appears to violate the Fair Credit Reporting Act ( FCRA ) : * Reinsertion of previously deleted information without proper notice pursuant to FCRA 611 ( a ) ( 5 ) ( B ) * Continued reporting of fraudulent information after notice of identity theft * Failure to maintain maximum possible accuracy under FCRA 623 ( a ) ( 1 ) ( A ) * Failure to conduct a reasonable investigation into disputed information * Continued collection and reporting activity despite formal identity theft documentation and disputes The account currently being reported is : * Furnisher : LVNV Funding LLC / Resurgent Capital Services * Original Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) * Approximate Balance : {$14000.00} I have already submitted formal disputes and identity theft documentation, including : * FTC Identity Theft Report * Government-issued identification * Proof of address * Formal FCRA 605B identity theft block requests Despite receiving notice that this account is fraudulent, the account continues to be reported and verified. Additionally, I was never properly notified of the reinsertion of this account after its prior deletion, as required under federal law. This inaccurate reporting has caused ongoing harm, including damage to my consumer credit profile and emotional distress associated with repeatedly disputing fraudulent information. This 3rd party company can not furnish PURCHASE AGREEMENT. Making said claim invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Marlette Funding, LLC
State: AK

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding what appears to be the mishandling of loan payoff funds, repeated conflicting information, and ongoing failure to provide accurate documentation related to my account with XXXX XXXX. This situation has now escalated to the point where I believe regulatory review is appropriate. Here is a summary of the issue : A payment/check issued through XXXX XXXX XXXX ( XXXX ) was sent to XXXX XXXX for payoff purposes. These were funds that I had sent to them initially. I have written email documentation from XXXX XXXX representatives confirming that they received and cashed the original check. I was then informed that the funds had allegedly been applied to the wrong account. Following that, I was told that XXXX XXXX instructed XXXX to cancel and reissue the payment. Later communications indicated the funds had supposedly been returned to XXXX. However, after directly contacting the payment company and providing the information XXXX XXXX supplied to me, I was informed that : the reference number provided by XXXX XXXX does not correspond to any valid transaction or check in their system, and they are unable to locate any returned funds matching the information XXXX XXXX provided. At this point, I have received multiple contradictory explanations regarding where these funds went, whether they were negotiated/cashed, whether they were returned, and whether any valid transaction documentation even exists. I am requesting the following immediately : 1. A full accounting and timeline of the payment history related to this transaction. 2. The actual check number, payment amount, transaction details, and any supporting documentation related to the alleged return of funds. 3. Copies of any internal correspondence or records showing where the payment was deposited or transferred. 4. Clarification as to why inaccurate or unverifiable transaction information was provided to me. I also want noted that I possess email documentation supporting my understanding of events, including written statements indicating that the original payment had been received and cashed. I am willing to provide copies of these emails to investigators, regulators, or consumer protection agencies upon request. I appreciate your help resolving this matter. Currently my funds continue to be withheld. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am disputing the Midland Credit Management collection account as not being mine and not properly verified. I requested full debt validation, including the original signed agreement, complete payment history, and proof that the debt is legally mine and collectible. The company did not provide sufficient documentation to verify ownership, accuracy, or legal right to collect. As a result, I believe this account is inaccurate and unverified and should be corrected or removed from my credit report if it can not be fully validated under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Collection company levied my bank account and has not provided evidence of alleged debt. I have requested proof a few months back and nothing ever provided. They claim this is adept from XXXX but I have never owned a sears card. Please have them review and send me a copy of the Original credit application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This complaint formally places on the official CFPB record the complete Pooling and Servicing Agreement for XXXX XXXX XXXX the trust 's own governing document filed with the Securities and Exchange Commission Accession No. XXXX CIK XXXX governed by New York law confirmed from PSA Section 12.03. PHH MORTGAGE CORPORATION 'S SPECIFIC PSA VIOLATIONS : PHH is the successor to XXXX XXXX XXXX XXXX confirmed from PHH 's own XX/XX/XXXX letter. XXXX serviced XXXXXXXX XXXX loan under fabricated account number XXXX. That number has no IRS reporting history with XXXX XXXX XXXX. It appears nowhere in XXXXXXXX XXXX original loan documents that PHH themselves produced from XXXXXXXX XXXX own files not on the Adjustable Rate Note not on the Adjustable Rate Rider not on either recorded mortgage. XXXX XXXX legitimate XXXX account number is XXXX confirmed by four independent sources IRS Form XXXX the Adjustable Rate Note the Adjustable Rate Rider and both recorded mortgages. PHH produced from XXXXXXXX XXXX own files the XXXX XXXX XXXX where XXXX XXXX own Assistant Vice President admitted under oath that the Assignment of Mortgage listed XXXX XXXX XXXX as the assignor due to the fact that the Mortgage listed said party as the original lender even though XXXX XXXX owned and held all assets of XXXX XXXX XXXX. XXXX XXXX own employee confirmed under oath that dead XXXX was used for convenience not legal authority. The PSA required a complete chain of endorsements on the original Mortgage Note. XXXXXXXX XXXX original note produced by PHH from XXXXXXXX XXXX own files has XXXX endorsements. The PSA required a complete chain of recorded assignments. Zero recorded assignments exist in XXXX XXXX public records connecting XXXX XXXX property through any legitimate chain from XXXX forward. The PSA required all loan transfers by the Closing Date of XX/XX/XXXX. The void assignment was executed XX/XX/XXXX 13 months late. PHH 's letters dated XX/XX/XXXX and XX/XX/XXXX claim a secured lien on XXXX XXXX property. There is no recorded assignment in XXXX XXXX transferring XXXXXXXX XXXX mortgage to XXXX Ocwen PHH or Onity. Under Florida Statute 695.01 an assignment of mortgage must be recorded to be effective. PHH has no recorded assignment and no secured lien. XXXX is attaching the complete 641 page PSA and the PSA violations analysis documenting every PSA requirement that was not met together with four recorded XXXX XXXX XXXX Certificate of Title Instrument XXXX Final Judgment of Foreclosure Special Warranty Deed Instrument XXXX and Void Assignment Instrument XXXX. XXXX has 61 active CFPB complaints. Seven Democratic members of the Senate Banking Committee have been briefed. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX . Bankruptcy XXXX XXXX. XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: MD

Complaint narrative:
* Filed Bankruptcy XXXX XXXX on XX/XX/XXXX * Bankruptcy XXXX XXXX confirmed on XX/XX/XXXX * Mortgage company continues to send statements to bankruptcy attorney instead of me * {$4800.00} was put into the XXXX XXXX Plan to pay through Trustee. Which was the amount past due when bankruptcy was filed. * Bankruptcy Attorney has sent mortgage company a letter asking them to communicate with me twice. * I have requested in writing three times for statement to be mailed to me directly. * Mortgage company continues to roll this amount into the statements each month instead of putting them in the bankruptcy account where the Trustee will pay them. * Mortgage company continue to ask for the arrearages each month. * Mortgage company does not know where or show where the past four months of on time payments are being placed. * Mortgage company states there is only {$8.00} in a suspense account and not the past four months of payments. * Each time I speak with someone I am getting the run around as to where and how the monthly payments are being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Good day. I can not stress enough how frustrating and debilitating this situation has been. I discovered a collection account on my credit report for a debt that I do not recognize, can not verify, and do not believe belongs to me. Since then, I have been subjected to repeated harassment through multiple communication methods, including threats of legal action, which has caused me extreme emotional distress. As a law-abiding consumer, I find it insulting and unacceptable to have my rights violated in this manner. This issue has negatively affected my mental well-being and has even caused sleepless nights.

Company response to consumer: Closed with explanation