vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANNER CORPORATION
State: WA

Complaint narrative:
Banner bank doesnt have overdraft protection but paid a bill without any money in account and after I complained they did it again. Now I cant pay my bills and have not been able to make myself compliant with lenders and my insurance for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Product : Mortgage Issue : Incorrect credit reporting / Problem with payments Company : PennyMac Loan Services , LLC Complaint Narrative : In XX/XX/year>, I contacted PennyMac Loan Services , LLC because I was having difficulty making my mortgage payment through the online portal. I had also previously experienced an issue where a payment was incorrectly collected, which had to be resolved and contributed to my concern about using the online system. 

During this call, a PennyMac representative assisted me in successfully submitting my XX/XX/year> mortgage payment in the amount of {$1000.00}. During the same call, I discussed my prior payment issue and website problems and requested enrollment in automatic payments to prevent future errors. 

The representative stated that automatic payments could normally be set up online ; however, after I explained that I was already experiencing issues with the website, she agreed to set up automatic payments on my behalf. I provided all required banking and account information and was told that I was all set.

Relying on this confirmation, I believed my account was properly set up for automatic payments. I later discovered that automatic payments were never established, and PennyMac reported my account as 30 days late to the credit bureaus.

Once I became aware of the issue, I immediately contacted PennyMac and brought the account current. During that follow-up contact, a different representative stated what confirmation I should have received, despite this being my first time enrolling in automatic payments and despite my reliance on the prior representatives confirmation. Responsibility for the error was shifted to me, even though the failure resulted from PennyMacs servicing error.

Prior to this incident, my mortgage history reflects consistent on-time payments. The reported late payment does not reflect my true payment behavior and occurred solely due to PennyMacs failure to properly establish the agreed-upon automatic payment. The inaccurate reporting has caused significant credit damage and is materially impacting an active real estate transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NJ

Complaint narrative:
Good day. I can not emphasize enough how utterly frustrating and debilitating this situation is. You wake up XXXX day to discover a debt you know nothing aboutunverified and completely unrelated to youfollowed by relentless harassment across multiple communication platforms using various tactics. I never imagined starting my day with threats of legal action. As a law-abiding citizen, this is deeply insulting, with my consumer rights being blatantly violated. It's severely impacting my mental health, leaving me with sleepless nights for days on end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> my cell phone was hacked. The hacker ( XXXX ) accessed my Wells Fargo checking and savings accounts through the banking app on my phone, then added my debit card to XXXX XXXX and made XXXX purchases that took all of the money from these accounts. This occurred at around XXXX XXXX. while I was asleep. I became aware of the theft at work that morning when I saw an email from Wells Fargo regarding my Debit Card had been added to XXXX XXXX I immediately checked my accounts, realized the theft that had occurred and contacted Wells Fargo. I was transferred to their fraud department. The transactions the hackers made were still pending at that time. I pleaded with Wells Fargo to cancel the transactions, but Wells Fargo refused to do so. The transactions went through and I lost the money. Wells Fargo closed the hacked accounts, opened new accounts for checking and savings and stated they would investigate the fraud. XXXX determined the hackers had installed an app on my phone that allowed them to control my phone. I filed a report with our local police department regarding the theft. Through a search warrant, the detective in charge determined the XXXX purchases were made by someone living XXXX XXXX XXXX XXXX days after I contacted Wells Fargo, I a received a letter from Wells Fargo stating they denied my claim and believed I was the person who made the transactions. I appealed this to Wells Fargo in XXXX of XXXX  and have heard nothing from the bank since then.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: SC

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a recent credit limit increase offer and a simultaneous, undisclosed credit limit decrease on another Citi credit card account. 
On XX/XX/XXXX, I received and accepted a targeted special offer from Citibank to request a credit limit increase on my Citi Double Cash Card. The offer stated that I was part of a select group invited to request an increase and made no mention that accepting the offer could result in a reduction of credit on any other Citi account. 

Immediately after accepting the increase, I received an XXXX alert indicating that Citibank had reduced the credit limit on a different Citi credit card account ( Citi Custom Cash Card ). This reduction was not disclosed in advance, nor was I provided any warning or explanation at the time of accepting the offer. 

When I contacted Citi customer service to understand why my credit limit was decreased, I was initially told that representatives could not see the reason. I was later told the reduction was due to inactivity, which is factually incorrect. The affected card is actively used and is one of my most frequently used credit cards. 

The timing strongly suggests that Citibank internally reallocated credit exposure between accounts without transparent disclosure, while marketing the increase as a benefit rather than a tradeoff. This practice is misleading to consumers and resulted in an unexpected reduction of available credit and a credit bureau alert. 

I did not consent to a reduction of my credit line on the affected account and would not have accepted the offer had this consequence been clearly disclosed.

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 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Our phone company ( XXXX XXXX ) was hacked stealing a XXXX of people personal information. They took a total XXXX. I provide a lot of information to BOFA. Their fraud department doesn't respond other then denie letters. 
I filed two police reports on the fraud case. 
BOFA froze over XXXX of our funds in our accounts. This leaves us completely broke. I can not buy food or pay my rent. We are XXXX citizens with a small income to live on. We had 1/2 of our money stolen and the rest BOFA frozen

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV FUNDING LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research LVNV FUNDING LLC 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 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX in late XX/XX/year> from XXXX XXXX The vehicle became inoperable within XXXX week of purchase. At the dealerships request, the vehicle was towed back to them on XX/XX/year> so they could inspect and repair it. After that, the dealership had the vehicle towed to XXXX XXXX, where it was inspected and diagnosed on XX/XX/year>, confirming a serious mechanical failure within 30 days of purchase. 

Following this, XXXX XXXX informed me that they could not assist and that the issue was my problem, and I was instructed to contact the finance company, Westlake Financial. 

Since XX/XX/year>, I have been in continuous contact with Westlake attempting to resolve the situation. I repeatedly submitted documentation, including the warranty contract and repair diagnosis. Westlake representatives stated multiple times that the documents were not received or could not be opened. Because of this, I am now resubmitting everything by certified mail. 

The warranty provider advised that coverage is capped at {$4000.00} and that the dealership must be involved. Despite this, the vehicle has remained unusable for months. Westlake instructed me to continue making monthly payments, which I have done, even though I have had no use of the vehicle. I also paid a {$1500.00} down payment at the time of purchase. 

This has caused significant financial harm. I am paying for a vehicle I can not use and lost the benefit of my down payment. I am requesting that the loan be rescinded with a refund of my down payment, that I be provided with a comparable replacement vehicle, or that the vehicle be fully repaired at no cost to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NE

Complaint narrative:
I am submitting this complaint regarding an excessive and unexplained delay in the processing of my Public Service Loan Forgiveness ( PSLF ) reconsideration and buyback request. 

I submitted my reconsideration/buyback request in XX/XX/year> after being advised to do so because, due to federal government litigation, certain qualifying payments were not being counted at the time they were made. I currently show XXXX qualifying payments, but I have actually made XXXX qualifying payments. I have already completed all other PSLF requirements and am eligible for forgiveness once the buyback amount is determined and processed. 

Since XX/XX/year>, I have contacted my loan servicer numerous times for updates. Each time, I am told to wait longer, with no meaningful information provided. Most recently, I submitted formal feedback and was informed that they can not provide any estimated timeframe for resolution. After waiting many months, the inability to provide even a projected timeline is unacceptable. 

I am a public school teacher and have fulfilled my service obligation under PSLF. I have done everything required of me in good faith, yet I continue to experience ongoing delays with no explanation, no accountability, and no clear path forward. I understand that staffing shortages may be contributing to delays, but this does not excuse the lack of transparency or communication for borrowers who have already met program requirements. 

This prolonged delay has caused significant frustration and uncertainty. I am requesting CFPB assistance to ensure my buyback request is processed promptly. At a minimum, I request a clear and reasonable timeframe for resolution and that I be notified immediately of any updates, determinations, or required actions related to my reconsideration and buyback request. 

Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I enrolled in a XXXX XXXX XXXX XXXX XXXX XXXX. A XXXX XXXX staff member contacted me and promised a XXXX XXXX sponsorship for the program. Based on this promise, I was guided to take out a loan with XXXX, with the assurance that XXXX XXXX would make monthly payments directly to my account to cover the loan payments. 
Atter a series of payments, XXXX XXXX informed me that they were ending their partnership with XXXX and establishing a new partnership with Climb Credit. I was instructed to apply for a loan with Climb Credit and cancel the XXXX loan. After a few payments on the Climb Credit loan, XXXX XXXX stated that I needed to take out additional financial responsibilities ( loans ) to continue receiving sponsorship payments. I refused to take out more loans, as it was not part of our original agreement. 
Subsequently, XXXX XXXX stopped making payments on the Climb Credit loan. I am now receiving delinquent notices from Climb Credit. I contacted both XXXX XXXX  and Climb Credit multiple times requesting clarification regarding payment responsibility, why payments stopped, and how the loan could be disputed, refunded, or corrected. Climb Credit advised me that only XXXX XXXX, as the program sponsor and recipient of funds, could initiate a dispute or refund. XXXX XXXX has refused to do so and instead insists that I remain fully responsible unless I agree to new financing arrangements. 
Despite repeated requests, I have not received clear, consistent, or corrective information, and the loan remains delinquent with ongoing credit risk. I am requesting regulatory assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On or about XX/XX/year>, Citibank reduced my credit card credit limit from {$36000.00} to {$500.00} after a recent review of your account and credit information. My current account balance is {$0.00}. Citi stated the decision was based, in whole or in part, on information obtained from XXXX  and provided XXXX contact information. 

I am disputing the adequacy of Citis explanation and requesting a regulatory review because I am not aware of any material negative changes to my credit profile that would justify a reduction of this magnitude. I have a strong credit score and stable credit history, and nothing significant has changed to explain this action. 

This credit line decrease is an adverse action/unfavorable change to an existing account. I am requesting that Citi provide a clear written statement of the specific reasons for the credit limit decrease ( reason codes and narrative reasons ), not a generic statement that it was based on credit information. I am also requesting confirmation whether a credit score was used in connection with this decision and, if so, the score used, the scoring model/name and range, the date obtained, and the key factors that affected the score used in the decision. 

I have requested a manual reconsideration and re-review after verification of XXXX  accuracy. Citis notice also states that if the credit report changes as a result of a dispute, I should contact Citi within 60 days for re-evaluation. I am requesting that Citi complete a meaningful re-review now and provide written results. 

Harm / impact : This extreme reduction severely restricts my access to credit and may negatively affect my utilization and overall credit availability, despite a {$0.00} balance and no known adverse change. It also creates confusion and uncertainty about whether my credit file contains inaccurate information or whether Citis internal review process is misapplying credit data.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX Re : Acct # XXXX To Whom It May Concern : I am writing in response to your communication regarding the alleged debt referenced above. I dispute the validity of this debit in its entirety. 

Under the Fair Debt collections Practices ( FDCPA ), I am requesting verification and validation of this debt. Please provide the following : 1. The amount of the alleged debt, including a detailed breakdown of fees, interest and charges.
2. The name and address of the original creditor 3. Documentation proving I am legally obligated to pay this debt.

4. A copy of any agreement bearing my signature 5. Proof that your company is authorized to collect this debt Until you provide proper verification, you must cease all collection activities, including reporting or continuing to report this account to any credit reporting agencies. 
If this debt has been reported to the credit bureaus, please note that it must be marked as disputed. 
This letter is not a refusal to pay, but a formal notice that the debt is disputed. Please respond in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation