vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: NC

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 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year> I was at the end of my loan with Truist but since I am on XXXX I needed to stretch out the last XXXX payments as I could not afford the XXXX balloon at the end. I called and spoke to a customer service rep and they told me to send in the XXXX application and I should be able to stretch out those last few payments. I could not get a payoff quote at that time as the agent was confused on the property taxes. He said he would send to the appropriate department, and I should get it in the mail. I mailed in the XXXX application right away and they said they received it. I never received any follow up so on the XXXX of XXXX I called again and the customer service agent said that they did not have the application and no payoff request and that the inbox doesn't work half the time. I resubmitted everything but she again could not give me a payoff quote and told me that it would take XXXX to XXXX days to process the application. Very deceptive that they know their email system does not work yet told me multiple times to submit it via email. She also told me that I would be in default now. I asked for a supervisor which would take days for a call back and she told me she couldn't guarantee they would call back. She also couldn't guarantee my XXXX application would be received and that I would have to keep calling back. Obviously, they are stalling applications in the hope you will go away and they can foreclose.

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 2026-02-17 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: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Under the instruction of my boss, XXXX XXXX, my Credit Card account was used by XXXX XXXX ( another employee ) to purchase some QR Code Analytics with a company XXXX XXXX XXXX  I called to cancel this subscription as directed by XXXX XXXX, the company will not cancel the annual subscription because they say the account is not mine. XXXX XXXX has refused to help me because they say I to follow the terms set forth by the merchant to cancel a subscription, and even though the account is closed the merchant can still force through a new purchase that come next XXXX that I would be responsible for bill its cyclical and I am getting no where. Additionally, I reached out to former employee XXXX XXXX to see if he could resolve the situation, but he can not gain access either. So, I have filled a complaint with the Attorney General of XXXX  under the XXXX XXXX XXXX and the CFPB.

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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
" This complaint involves Willful Non-Compliance ( 15 U.S.C. 1681n ) and Deceptive Trade Practices by XXXX XXXX XXXX XXXX and their counsel, XXXXXXXX XXXX XXXX. For over XXXX days, the XXXX has maintained a fraudulent judicial demand of {$43000.00} in XXXX XXXX XXXX XXXX ( Case XXXX XXXX ), despite possessing certified internal records and tax reporting that confirm the actual principal is {$36000.00}. 

On XX/XX/year>, XXXX XXXX XXXX. XXXX admitted in writing that the {$36000.00} figure is the actual principal, yet he continues to move the XXXX for the inflated amounta practice of XXXX XXXX designed to seek dual recovery on a zero-value asset. This intentional misalignment has proximately caused the rescission of a documented capital stack totaling {>= $1,000,000}, sabotaging the operations of a federally regulated motor XXXX ( XXXX XXXX XXXXXXXX ). The XXXX is utilizing the judicial system to enforce fictitious debt balances and has willfully refused to correct the national repository reporting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I am disputing a debt from Aldous & Associates ( collecting for XXXX XXXX ). 

Illegal Fee Inflation : The collector sent me a validation letter dated XX/XX/XXXX, listing a 'Collection Fee ' of {$77.00} on a principal of {$220.00}. This is a 35 % fee. I reside in XXXX, where XXXX. XXXX caps collection fees at 18 %. The collector is knowingly attempting to collect nearly double the legal limit. 

Refusal to Correct : I sent a certified letter on XX/XX/XXXX pointing out this violation and offering to pay the valid principal. The collector has ignored my correspondence. 

XXXX XXXX XXXX : Despite knowing the amount includes illegal fees, the collector verified this inaccurate balance to XXXX on XX/XX/XXXX, violating the FCRA. 

XXXX XXXX : I request the collector correct the balance to remove illegal fees or delete the account from my credit report entirely. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
On XX/XX/year> I had taken my niece to XXXX XXXX to get a loan to pay for her mother/my sister funeral. My niece did not have credit, so it was put in my name at which time XXXX XXXX XXXX XXXX tried aggressive sales tactics and offer more money than my niece needed. On XX/XX/year> I explained to XXXX XXXX that my niece was not going to pay the loan back at which time I became responsible for the loan. I was going on vacation, so I called XXXX XXXX to see if I could get XXXX dollars for my trip. She never got back with me until XX/XX/year>, at which time she used XXXX XXXX and XXXX XXXX Tactics by telling me that the lender was offering to pay off my car and also give me cash for my trip. My car was at a point that it was costing too much money to maintain so I needed a new car. That is when I found out that XXXX XXXX XXXX combined XXXX loans together. The car dealership wanted to pay XXXX XXXX XXXX for the car, and they refused that is when I found out that they had combined a signature loan and a car loan. They can't combine a car loan and a signature loan they are XXXX different consumer products. The car lien value can't be doubled. The office XXXX has threatened me and has stated that they will garnish my paycheck, and I need to return my new car to the dealership. They also added their name to the title along with the Police XXXX XXXX XXXX. XXXX XXXX took advantage of me and this need to be corrected on all levels. XXXX XXXX has major ongoing multistate lawsuits led by Attorney XXXX alleging widespread predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I am filing a formal complaint against Concora Credit Bank for repeatedly assessing over-the-limit fees on my credit card account when my balance was not over my approved credit limit. 

This has occurred on XXXX separate occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Each time, I was forced to contact the bank to dispute the improper charge. Each time, the bank waived the fee. The fact that the fees were reversed upon challenge strongly indicates the charges were improperly assessed in the first place. 

At no time was my balance legitimately over my approved credit limit. 

In addition to the improper fees, Concora Credit Bank reported my account as over the limit to the credit reporting agencies. As a direct result, my XXXX XXXX has dropped due to the account being reported as exceeding its limit and reflecting inflated utilization. 

This inaccurate reporting has caused measurable financial harm. 

Under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, over-the-limit fees may not be assessed unless : The consumer affirmatively opted in, and The account is actually over the limit at the time of assessment. 

Further, under the Fair Credit Reporting Act ( FCRA ), furnishers of information have a legal obligation to report accurate information to all credit reporting agencies. Reporting an account as over the limit when it is not constitutes inaccurate reporting. 

This repeated pattern raises serious concerns of unfair, deceptive, and abusive acts or practices ( XXXX ). Charging improper fees and reporting accounts as over the limit then reversing fees only after the consumer disputes creates harm for consumers who may not detect the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
This is a formal dispute regarding a collection account being reported by Credit Collection Services ( CCS ) regarding an alleged debt originating from XXXX XXXX. 

I am currently in the process of a mortgage application. This unverified derogatory entry is causing immediate financial jeopardy, suppressing my credit scores, and threatening my ability to secure a home loan. I am formally disputing this account based on the following : No Knowledge of Original Account or Liability I have no record or knowledge of any outstanding balance with XXXX XXXX that would warrant a collection status with CCS. I have never been provided with a final itemized billing statement, a breakdown of service dates, or any evidence that I am the legally responsible party for this alleged debt.

Violation of FDCPA 809 ( Failure to Provide Mandatory Notice ) I have never received a written validation notice ( Dunning Notice ) from Credit Collection Services ( CCS ) as required by 15 U.S.C. 1692g. By failing to provide this notice, CCS has denied me my statutory right to dispute this debt within the initial 30-day window. Reporting this to the bureaus without providing the legally mandated notice is a direct violation of the Fair Debt Collection Practices Act. 
. Absence of Primary Tradeline & FCRA Integrity Standards The original creditor, XXXX XXXX, does not furnish a primary monthly tradeline to the national credit bureaus. Under the FCRA, a collection is a derivative record. Because there is no primary " anchor '' tradeline, there is no independent way to verify the Date of First Delinquency ( DOFD ). CCS is reporting data that fails the FCRA 623 Integrity Standards because it can not be cross-referenced against a primary creditors reporting history. 

Non-Compliance with XXXX XXXX XXXX XXXX XXXX XXXX guidelines require a collection tradeline to be traceable and verifiable back to an original creditor 's ledger. If CCS can not produce the original service agreement and a complete billing history from XXXX XXXXspecifically showing the final meter reading and the " Statement of Account '' the account can not be validated within the bureaus ' internal systems and must be deleted.

Substantial Financial Harm and Mortgage Impact This unverified and erroneous reporting is causing significant financial harm by interfering with a pending mortgage transaction. The FCRA prohibits furnishers from " parking '' unverified data on a consumer 's report to gain leverage during a home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: OH

Complaint narrative:
On XX/XX/XXXX, I booked a hotel room through XXXX at The XXXXXXXX XXXX XXXX XXXX XXXXXXXX in XXXX with check-in on XX/XX/XXXX and check out XX/XX/XXXX. The amount of the purchase was {$150.00}. According to XXXX, there would be, " No additional room charges or fees, '' and that the, " Room cost [ was ] paid in advance. '' On XX/XX/XXXX, I learned from a friend that booked the same hotel with an earlier check-in date through XXXX that the hotel was imposing additional fees. 

Also on XX/XX/XXXX, I contacted the hotel to confirm if the room was fully paid for or if there would be additional fees. I called the hotel and they told me that there was still an outstanding " guest benefit package '' and " reservation processing fee '' of {$290.00}. This is in contrast from the information I received when I booked on XXXX. XXXX said there were no additional fees. I let the hotel know I was cancelling and followed their advice to reach out to XXXX via email to let them know I would be cancelling and would like a full refund. 

XXXX never replied, so I initiated a dispute with the credit card company I used to make the purchase, Citi. Citi received my dispute on XX/XX/XXXX. On XX/XX/XXXX, Citi made the determination that I was responsible for the charge. I contacted Citi again on XX/XX/XXXX to request reconsideration and provide documentation. I also provided the recorded call with the hotel on XX/XX/XXXX to Citi. 

On XX/XX/XXXX, Citi again decided I was responsible for the charge.

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 2026-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I purchased a home through Wells Fargo in XXXX  as a first time home buyer XXXX  and was not informed that the home needed a new roof. After a year, the roof caved in on me and my infant child, I since then purchased a new roof through a XXXX XXXX XXXX which I have receipts. The furnace was also leaking carbon monoxide and I had to purchase a new furnace in which I have receipts. I have suffered a XXXX that is causing loss of income and major medical bills because of the way the house was sold to me I thought was unfair now I'm back in foreclosure they are demanding money while I'm trying to recover from, the actual purchase of the home due to the many repairs needed.

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 2026-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: OR

Complaint narrative:
I'm a XXXX XXXXXXXX XXXX XXXX XXXX in XXXX and I started banking with XXXX in XXXX. I signed up for an online account, and had all of my credentials verified through an online portal. When I was stationed in XXXX I switched over to an Italian number, which I could not use for the dual factor authentication. I paid for a service that allowed me to maintain an American number for texts and calls, so I could still receive XXXX time passcodes. The service provider for that phone number stated that it was only meant to be used in the XXXX and they discontinued my access to the number. I tried to log on to my account and it requires that I perform the XXXX  process for the respective number. There is no alternative method, so I call the online service. I called the online customer support on XXXX XX/XX/XXXX and they were able to verify my identity, but had no means to make any changes to my account, and that I needed to contact the branch. I contacted the XXXX XXXX and they stated that they could only make changes if I walked into their office in XXXX XXXX. On following calls to online customer service they stopped verifying my identity, and stated that they can only proceed if I have my account number. I can't log in to see my account number, I never received a welcome packet from the bank, I didn't order checks, and the bank defaulted to paperless statements. I have no access to my account number, and regardless of the types of verification I can perform, nobody is providing me a reasonable route to accomplish the task of acquiring my account number, or changing my XXXX phone number. On XXXX XXXX I emailed XXXX, and after verifying my identity they stated that I could change my number with a notarized form they provided. I promptly returned the form, and they replied that my number has already been changed at the branch level, and there is nothing they can do to modify the online banking phone number.

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 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I recently filed a dispute with XXXX for a XXXX  day late payment that was on my credit report due to their payment processing error. I paid my account on time. However, my account was issued a XXXX  day late payment that doesn't reflect my payment status. Enclosed in the dispute letter that i sent to XXXX, and the XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TN

Complaint narrative:
From XXXX XXXX XX/XX/XXXX US bank allowed thousands of dollars to be stolen from me. The account was not me and was fraud. This was from XXXX XXXX where they said it was authorized and that when they asked cash app, they also agreed it was authorized. They told me to talk to XXXX XXXX support. I talked to cash app support and this is what they just emailed me XXXX XXXX Support XXXX XXXX ( XXXX minutes ago ) to me Hi XXXX XXXX XXXX here with XXXX Support. I understand that you are having some trouble with unauthorized purchases and I know how stressful it is when there is money missing from your account. I apologize for any inconveniences and Im more than willing to look into this. 

I dont see any recent debits from this XXXX XXXX account to your linked bank account. I suggest checking with your linked bank to learn more about the charge in question. 

It is possible someone has compromised your debit card and linked it to their own XXXX XXXX account. If this is the case, you will need your banks assistance to potentially reverse the transaction. '' This proves that a person was portraying me and US bank lied saying XXXX XXXX  told them it was authorized when it was not. US bank has failed to do the proper research and give me my money back.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX a transaction was attempted by myself for XXXX $ from XXXX XXXX. The attempt was denied for verification. I received a text to authorize it was me. I enter code and proceed to attempt transaction again. Purchase still didnt go thru. I was then told by merchant if i pay cash I could get a discount. Seeing that my transaction didnt go thru I paid cash and got the discount. Checking my account after no transactions has been added. On XX/XX/XXXX a transaction posted. I contacted chase and let them know what happened. The filed a dispute claim and gave me temporary credit. On XXXX XXXX Chase reversed the claim. I reached back out to Chase to see what was going on. I was told by XXXX claim account XXXX. That Chase would need a receipt showing I paid cash. I stated I dont have a receipt that was almost 2 months ago. Chase is refusing to offer any help to resolve this issue. They are begin predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief