vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I voluntarily surrendered my vehicle to XXXX Credit Acceptance after the vehicle became unreliable and experienced significant mechanical issues. Prior to the surrender, I was informed by representatives that documentation confirming the voluntary surrender would be provided. Despite multiple requests, I never received the promised documentation. The account is now being reported in a manner that is negatively affecting my credit. I have attempted to obtain proof of the voluntary surrender and documentation supporting the information being reported, but XXXX Credit Acceptance has failed to provide it. I am requesting copies of all records related to this account, including proof of the voluntary surrender, all notices sent, sale records, deficiency balance calculations, and documentation supporting the information furnished to the credit bureaus. If XXXX Credit Acceptance can not verify the accuracy and completeness of the information being reported, I request that the reporting be corrected or removed from my credit reports. I am seeking a full investigation into this matter and a written explanation of the basis for the reporting being furnished to the credit reporting agencies.

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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
There are Four ( 4 ) issues in Total altogether : # 1. - First it is blocking ppl from using their ( own ) credit cards. If someone is offering you the Option to repay you using a form of payment, you can't deny that payment ( money ). Although this was already known that they do this and stated on their website, doesn't make it any less wrong. If people have money on their credit cards and not elsewhere, who are you to deny accepting that money or refusing it. I'm not going to get into the legality of it, they're refusing to take/accept credit card payments ( here ). But it appears to be a cheap attempt to avoid it, if ppl decide to file credit card disputes, against them. # 2. - Customer Service ( Absent ) - I've sent them Questions regarding why it lowered my Spending Power ( limit ) by more than 90 % - using their chat box/msg. center/email - and apparently they don't think it is important enough or just don't want to answer it. I would think any responsible & reputable business/company would maintain a basic level of Customer Support. If they cared about their business. # 3. - It lowered my Spending Power ( limit ) - without just cause or explanation. For every action, there is an explanation or reason behind - reasons that they don't feel like sharing. If they had a valid reason they should say it. The only thing I can think of is that I was late on some repayments to the one ( and only ) payment plan I've ever had wit h them. Although all payments were in fact made. And most were made on time ( timeframe ). # 4. - False Advertising - They sent me email/offers that they had no intention of giving me. When I click on the links in their email and/or elog back on- I only find out that they are fake & invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am a victim of a hostile digital account takeover following the physical theft of my wallet at XXXX XXXX in XXXX XXXX ( XXXX ) Tracking # XXXX. Capital ones automated fraud detection has committed and egregious consumer violation by punitively closing my active checking account and my three perfectly maintain credit cards. ( {$600.00}, {$600.00}, and {$3200.00} limit. ) after I proactively contacted them to blow the whistle on a hackers fraudulent check deposit attempt for {$4000.00}. Capital One is punishing the victim destroying my credit utilization score and holding my Accounts XXXX. I have attached my official, Federal Trade Commission identity, theft affidavit. I demand an executive review to completely reinstate. My three credit lines restore my account access and ensure zero fraud liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
PCM has submitted collections to all three credit bureaus. They are providing false information, failed to verify the debt or their ownership of the alleged debt, and falsified the dates of the alleged debt. They have reverified the alleged account after disputes by updating the dates to be more recent. Originally appearing as an earlier date the reports now show " date opened '' as XX/XX/XXXX. The medical provider in question has not managed our care or seen any member of our family since XXXX. The last known communication from XXXX XXXX XXXX in XXXX was in XXXX and XXXX. The alleged debt has not been verified to belong to any member of our family. A plan of care for one child was not carried out and we switched providers so no billing ever occurred. Care for another child was covered by both private insurance and XXXX at the times of any service. That child passed away in XX/XX/XXXX so certainly did not receive any services in XXXX. No provision of those records, proof of the alleged debt ownership, true dates of service, itemized bills, records showing insurance submissions or unpaid balances, nor any other proof of authority has been provided by either the original medical provider or the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NM

Complaint narrative:
I am a consumer with a sudden physical XXXX XXXX and severe XXXX. I am actively attempting to manage my past-due auto loan account to request a hardship restructuring or modification due to an unexpected loss of overtime hours and a divorce. I attempted to use Santander 's official text-based live chat system on XX/XX/year>, to request an accommodation. The representative explicitly told me in writing that their hardship options are 'only available over the phone ' and refused to provide an email or chat-based manager escalation. When I stated I have no interpreter or trusted third party to speak for me, the representative suggested I have my 'co-borrower ' call. I explicitly informed the agent that the co-borrower is an estranged ex-wife from a divorce with whom I share a strict zero-contact status. Instead of routing the text to a manager, Santander 's system abruptly cut off communication and ended the chat session. Forcing a hearing-impaired consumer to rely on an estranged ex-spouse or a voice call to access hardship options is a direct violation of federal accessibility and equal access guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — FHA 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: Village Capital & Investment LLC
State: NC

Complaint narrative:
In XX/XX/year>, I contacted the company to inform them that I would be unable to make my upcoming mortgage payment. I was advised that I might qualify for a forbearance or loan modification, but that eligibility would require me to be at least XXXX months delinquent. On XX/XX/year>, I received an Early Intervention Assistance application packet, which I promptly completed and returned. On XX/XX/year>, I contacted the company again to ask whether I should make the XXXX mortgage payment. I was told that submitting a payment could interfere with my pending application, even though no one from the company had reached out to request additional information or provide an update. On XX/XX/year>, I received a loss mitigation denial letter. The following day, a notice was placed on my door regarding certified mail waiting at the post office. I retrieved the certified mail on XX/XX/XXXX, which contained information from HUD and XXXX. By this time, I had already maxed out my credit cards to cover the XXXX and XXXX mortgage payments and was unable to make the XXXX payment by XX/XX/XXXX. On XX/XX/year>, both HUD and I attempted to contact the company to understand why I had been deemed ineligible for forbearance. We requested to speak with a supervisor and were told that a supervisor would return my call. I never received that call, and I have received no response or communication from the company since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Experian Re : Formal Identity Theft Dispute and Request to Block Fraudulent Accounts Legal Basis : FCRA 605B, 15 U.S.C. 1681c-2 To Whom It May Concern : Experian has not done any investigation. I am writing to formally dispute and demand the immediate blocking and removal of fraudulent information appearing on my credit report as a result of identity theft. I am a victim of identity theft. I have filed Federal Trade Commission Identity Theft Reports documenting the fraudulent activity involving unauthorized buy now, pay later accounts and related credit activity that I did not open, authorize, apply for, consent to, or benefit from in any way. These reports confirm that fraudulent accounts and/or charges appeared on my credit report and that unauthorized XXXX-related activity was discovered after I reviewed my credit reports. I did not authorize these accounts, did not receive goods or services from them, and did not provide permission for anyone to use my personal identifying information to open or use these accounts. Pursuant to FCRA 605B, 15 U.S.C. 1681c-2, I demand that you block the reporting of the above fraudulent information from my credit file within the time required by law. XXXX XXXXXXXX used information I provided during my identity-theft report and victim-verification call to verify a fraudulent account with Experian. That information was not provided to open the account and does not prove authorization, consent, benefit, or responsibility. I am requesting removal/blocking of the fraudulent account and inquiry and a copy of the documents XXXX used to verify the account. I am providing : Proof of my identity ; Copies of my FTC Identity Theft Reports ; Identification of the fraudulent information to be blocked ; and This written statement confirming that the disputed information does not relate to any transaction made by me. Please do not treat this as a general credit dispute. This is an identity-theft block request under FCRA 605B.

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 2026-06-11 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:
On XX/XX/year> I was charged over {$3800.00} for a product. I am unable to get the exact amount since they are not letting me veiw my statements as the account is past due. It was a charge that was yearly recurring, and I went on XXXX XXXX to cancel it and the company didn't have an option to cancel it. I looked everywhere. I was able to remove the card on file, and so I didn't believe it would be able to be charged. I even took a screenshot of it showing that there was no payment information for it to charge. Somehow they were able to charge it. I contacted the company and they only offered a credit on their end and said they would not refund. I contacted Best Buy XXXX XXXX and they told me they would research it. A few weeks later I had heard nothing and called. Was told some stuff was sent in the mail and to fill it out and send it in. I never received anything so called back a while later and they had closed my dispute. Was told I never responded to the email, and I said I was told to look for a phyisical letter in the mail. From there I was told I could only reopen the dispute by sending in a written letter which I did. Im not sure what the result of that was but from the collection calls I am no receving Im assuming nothing happned. This charge should have never happened for a couple of reasons. The site I was charged from showed I was able to remove the credit card and I had a screen shot showing that no card was on file. They later claimed it was impossible to remove, but I had the proof that it showed it was. When I talked to BestBuy ( citi visa ) they said the original charge was declined, but then later went through. Why did they allow it? It should have been declined since it put me way over the credit limit as well. Most companies after declining dont allow it unless they contact the customer to check for approval, and that never happned. Im not sure how the merchant got the info again after it was removed, and Im not sure how best buy allowed the charge after it was originally declined, and it put me well over my credit limit. Now I have a huge bill I can't afford, and then they cut my credit limit in half making it even more over the limit after the fact and now have it put into collections and is affecting my credit. They need to remove the charge since it never should have happned in the first place and remove all negative reportings on my credit file.

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 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

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 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I am filing an escalated complaint against United Wholesale Mortgage ( UWM ) for institutional lack of financial transparency, failure to credit processed tax refunds, and ongoing escrow overcollection. This issue stems from unresolved financial discrepancies previously flagged under CFPB Complaint No. XXXX. UWM recently rushed to close that complaint by issuing a " Final Escrow Account Disclosure Statement '' on XX/XX/year>, and transferring my loan servicing to a new internal center in partnership with XXXX. However, their final ledger math is mathematically flawed and omits significant consumer funds. Specifically : Withheld Tax Refunds : The official servicer dashboard previously confirmed that UWM received and processed three property tax refunds from the county totaling {$1500.00} ( {$330.00}, {$79.00}, and {$1100.00} ). UWM completely omitted these refunds from the Final Escrow Statement and failed to transfer them to the new servicing ledger. Escrow Overcollection : As of the latest mortgage statement dated XX/XX/year>, my official records prove I have paid {$7400.00} Year-to-Date ( YTD ) into the escrow account. My newly approved, lower tax liabilities with the XXXX XXXX ( totaling $ XXXX ) and hazard insurance ( $ XXXX ) mean the true annual obligation is only {$5300.00}. Inaccurate Monthly Demand : Despite my massive YTD front-loaded contributions ( {$7400.00} ) which already exceed my entire true annual liability, UWMs system continues to demand an inflated monthly escrow payment of {$780.00}. Mathematically, my escrow account is severely overfunded. The monthly escrow collection must be significantly reduced immediately to reflect these true verified liabilities. XXXX ignored direct escalated emails sent to their consumer advocate team for over XXXX weeks, effectively using an internal servicing transfer as a shield to evade accountability. I demand that CFPB compel UWM to immediately perform a manual audit, track down the missing {$1500.00} in processed refunds, apply them to the current ledger, and permanently lower the monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Description of Event : I am filing a dispute regarding a severe loan plan misclassification error by my student loan servicer, Nelnet. I am a student borrower with seven individual federal student loans under Nelnet ( identified as Loan Groups : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ). These loans are officially designated on the Federal Student Aid ( FSA ) portal as Direct Subsidized and Direct Unsubsidized student loans from my undergraduate and graduate studies. I previously qualified for the Pay As You Earn ( PAYE ) income-driven repayment plan. My approved PAYE plan grants me a {$0.00} monthly payment tracking obligation that is valid until XX/XX/year>. Despite this valid enrollment, Nelnet has erroneously split my account. They placed all seven of these fully eligible Direct student loans onto a Graduated Repayment Plan without my authorization, signature, or consent. Nelnet has now issued an incorrect billing statement demanding a payment of {$150.00} due on XX/XX/XXXX, with subsequent tiered payments scheduled to be drafted just ten days later. Actions Taken by Me : When I contacted Nelnet customer support to correct this error, company advisors gave me highly conflicting, inaccurate, and harmful guidance. First, a representative falsely claimed that my personal student loans were coded as " Parent PLUS '' loans. Second, the representative instructed me to contact a third-party entity ( XXXX ) to initiate a Direct Consolidation Loan in order to make my loans qualify for an income-driven track. Per Department of Education rules, Direct Subsidized and Unsubsidized student loans do not require consolidation to maintain PAYE eligibility. Forcing an unnecessary consolidation would permanently remove me from my current protected PAYE plan structure due to upcoming federal program sunsets. When I demanded to speak to a Tier 2 supervisor to address this internal database error, I was placed on hold and subsequently told the department was closed for the day. Following this failure to resolve the issue over the phone, I took immediate action to protect my finances. I filed a formal dispute case through the Federal Student Aid ( FSA ) Feedback Center to request a federal ledger sync. I am also XXXX my active auto-debit registration on the Nelnet platform to prevent an unauthorized financial withdrawal on my upcoming XX/XX/XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: NJ

Complaint narrative:
Company Website : XXXX Email Address : XXXX Date of order : XX/XX/year> Disputed Charge : {$130.00} Placed an order for some coffee beans and accessories. Never received an email confirmation of my order. Company has NO PHYSICAL ADDRESS OR CONTACT PHONE NUMBER, ONLY AN EMAIL ADDRESS. Company never responded to my email inquiry. I contacted my credit card company while the charge was still pending to cancel transaction. They told me they can't cancel the charge. They said I have to wait till the charge is posted and then file a dispute. The charge was posted a few days later and was made to a women 's apparel company. I WAS SCAMMED. Filed a dispute with the credit card company multiple times and keep getting denied my {$130.00} credit. I will provide documents that I submitted to the credit card company.

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 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AR

Complaint narrative:
I am submitting this complaint regarding Rent Recovery Solutions and a rental collection account being reported on my consumer credit reports. Rent Recovery Solutions is reporting a collection account in the amount of approximately {$1200.00} allegedly related to Residence at XXXX. I recently disputed this account because I am attempting to determine whether the balance being reported is accurate and fully supported by documentation. The account continues to be reported as a collection account, yet I have not been provided with documentation sufficient to verify the amount being claimed. I am requesting records supporting the alleged debt, including a complete itemization of charges, payment history, lease documentation, move-out accounting, security deposit reconciliation, and documentation supporting any fees, damages, or other charges included in the reported balance. Because this account is being furnished to consumer reporting agencies and is affecting my credit profile, I believe I am entitled to receive documentation supporting the balance being reported. I am requesting that Rent Recovery Solutions provide competent documentation supporting the debt, including documentation establishing the basis for the balance claimed and the authority to collect and furnish information regarding the account. If the company is unable to substantiate the account with adequate documentation, I request that it cease reporting information that can not be verified and take appropriate corrective action. Desired Resolution : 1. Provide complete validation and documentation supporting the alleged debt. 2. Provide a complete itemization of the balance being reported. 3. Provide lease and move-out documentation supporting the charges. 4. Provide documentation establishing authority to collect the debt. 5. Correct or remove any information that can not be verified and supported by documentation.

Company response to consumer: Untimely response