vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An {$600.00} unauthorized transaction occurred on XX/XX/year> at a Wells Fargo ATM in XXXX XXXX XXXX. The facts of this matter demonstrate that I acted immediately upon becoming aware of suspicious activity. At approximately XXXX PM on XX/XX/XXXX, I received a Wells Fargo fraud alert text message and email regarding a separate {$140.00} transaction that was flagged as potentially fraudulent. Within approximately XXXX minute of receiving the alert, I called Wells Fargo at XXXX PM to report the suspicious activity, and that specific transaction was resolved. While reviewing my account shortly after that call, I discovered an additional {$600.00} transaction that had occurred prior to the {$140.00} transaction. I immediately contacted Wells Fargo again at approximately XXXX PM to report this additional unauthorized transaction and file a claim. During these conversations, I informed Wells Fargo that my debit card was physically in my possession and verified the card details over the phone. At no point was my card lost, stolen, or out of my control. I requested that Wells Fargo review this matter in accordance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I reported the suspicious activity within minutes of receiving the fraud alert and immediately informed Wells Fargo that I did not authorize the transactions. Regulation E provides explicit protections for consumers who promptly report unauthorized electronic fund transfers and limits consumer liability when such reports are made without delay. Additionally, during a conversation with a Wells Fargo representative on XX/XX/XXXX at approximately XXXX PM, I was informed that the chip information associated with the transaction may not have been authenticated. This information raises further questions regarding the basis for the denial of my claim and warrants additional review. The denial of this claim has caused significant financial hardship. Given that Wells Fargo 's own fraud monitoring systems identified suspicious activity on my account, that I reported the activity within minutes, and that I had possession of my debit card at all times.

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Lease
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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXs withholding necessary title corrections, preventing legal registration of the vehicle. The loan for the leased vehicle has been paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: IL

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 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
My issues are with my loan servicer, XXXX XXXX who has for several years created false impressions that my student loans would be forgiven at XXXX years or 10 years if employed at qualifying XXXX XXXX I been provided misleading misinformation about forgiveness eligibility over the years. I want to hold my servicer accountable for several years of inaccurate information. This was again proven on XX/XX/year> during my call with an agent, # XXXXXXXX XXXX XXXX XXXX She failed to interpret that XXXX loans do not qualify for such benefits unless consolidated. This false narrative from agents at XXXX XXXX has driven me far too many payments with out the correct guidance to consolidate. This continuous misleading information is fraudulent. I have an issue with my # of payments not counting towards my loan consolidation due to the servicer being misleading. They do not invest in employee training. I'm frustrated and emotionally drained.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Compass Recovery Group, LLC
State: FL

Complaint narrative:
Received a call today XXXX at XXXX from a XXXX XXXX XXXX Compass Recovery Group regarding a XXXX XXXX debt that I have no knowledge of. He has claimed that the attorney firm they are associated with have took control and their intent is to move forward with a potential lawsuit. I have been contacted before by a XXXX XXXX regarding this same account back in XXXX XXXX Under the FDCPA ( 15 U.S.C Section 1692g ), a collector must send a written " validation notice '' within five days of the initial communication, detailing the amount owed and the creditor 's name. Being this started happening back in XXXX XXXX to this day I have never received such written notice. I will be seeking legal consultation regarding this violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MO

Complaint narrative:
I requested the following and was denied : A formal, written payment count audit of all qualifying months toward IDR forgiveness.A detailed breakdown of how each period ( repayment, deferment, forbearance, and postconsolidation history ) was counted.Confirmation of whether my loans now meet the 25year IDR forgiveness threshold under the OneTime Adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The financial information maintained under my name reveals deficiencies in documentation and inconsistencies in reporting that warrant correction.

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CarMax, Inc.
State: NC

Complaint narrative:
This complaint concerns CarMax Auto Finances post-repossession handling of a used XXXX vehicle loan, including inconsistent deficiency balance calculations, corrected notices, disputed post-sale fees, validation issues, and related credit reporting. After repossession and sale of the vehicle, CarMax issued a deficiency notice showing a balance of {$9300.00}. CarMax later issued a corrected deficiency notice showing a balance of {$9600.00}, increasing the claimed deficiency by {$250.00}. CarMax also sent correspondence stating that it had discovered an error or errors in the earlier notice. The {$250.00} difference appears in the records in different ways, including as a key-related fee and as Preparing for Disposition. CarMaxs later account history also shows a miscellaneous fee balance and a payoff balance of {$9600.00}. I requested validation and documentation from CarMax, including the basis for the corrected deficiency, account history, sale/repossession records, and documents supporting any continued reporting or verification of the account. CarMax provided some records, but the documents do not fully reconcile the changed deficiency amount, the {$250.00} fee, the corrected notice, and the continued reporting or verification of the disputed balance. The account was also reported to consumer reporting agencies as a charged-off deficiency balance after disputes and validation efforts. A federal consumer-protection case concerning this XXXX account has also been filed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am submitting supporting documents showing the deficiency notices, correction letter, account history, dispute/validation history, credit reporting XXXX XXXX and federal filing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XXXX XXXX is attempting to force an illegal insurance escrow account and an aggressive {$2700.00} monthly billing increase from my current {$1800.00}, claiming a lapse in homeowners insurance. I have a long-standing history of successfully paying my own property taxes and insurance independently with no defaults.Rushmore issued a letter dated XXXX XXXX incorrectly claiming a coverage lapse existed between XXXX XXXX XXXX. In direct response, a formal RESPA Notice of Error was printed and mailed via Certified Mail to XXXX XXXX Error Resolution Department on XXXX XXXX XXXX This was physically received and signed by XXXX XXXX at XXXX. Despite having my formal dispute in hand, XXXXXXXX XXXX billing department issued an Annual Escrow Account Disclosure Statement on XXXX XXXX XXXX, immediately hiking my current monthly payment to {$2700.00}, with a scheduled change to {$2600.00} effective XXXX XXXX Over the weekend of XXXX XXXX I uploaded explicit, continuous insurance policy jackets spanning XXXX directly into XXXXXXXX XXXX portal. This covers the XXXX XXXX XXXX timeframe they questioned, proving absolutely XXXX gap in coverage exists. XXXX is forcing a severe financial hardship during an active dispute window.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
This complaint is a follow-up to prior complaints already filed with the CFPB against CBE Group XXXX XXXX XXXX, 2026. Those complaints are on file under the name XXXX XXXX, address XXXX XXXX XXXX, XXXX XXXX, CA XXXX, regarding CBE Group account XXXX originating from XXXX XXXX XXXX utility account XXXX. Please link this complaint to those prior filings. This new complaint contains updated evidence of the ongoing violation that was not available at the time of the original filings. I am a California resident filing a complaint against CBE Group, a debt collection agency based in Iowa, for reporting a paid debt as actively outstanding in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ). On XXXX XXXX, 2026, I paid CBE collection account XXXX in full {$290.00} by credit card. This was the first and only time CBE contacted me, meaning I paid on the very first opportunity I had to resolve this balance. Payment is independently documented by a posted credit card transaction of {$290.00} to CBE Group on XXXX XXXX, 2026. My credit score was XXXX in XXXX 2026, confirming no negative reporting existed at the time of payment. Despite receiving full payment on XXXX XXXX, 2026, CBE Group began reporting this account as an active, unpaid {$290.00} collection to XXXX, XXXX, and XXXX in XX/XX/year>2026 approximately six weeks after receiving full payment. A second collection mark appeared on XXXX on XXXX XXXX, 2026. As of XX/XX/year>, XXXX shows " Collection account. {$290.00} past due as of XX/XX/year> '' with balance updated XX/XX/year> over ten weeks after CBE received and confirmed payment. On XXXX XXXX, 2026, I called CBE Group. Three people - a representative and supervisor XXXX & XXXX verbally confirmed : ( 1 ) payment of {$290.00} was received XX/XX/year>2026 ; ( 2 ) the account status is " withdrawn '' meaning removal from all three bureaus as of XX/XX/XXXX ( removal requests are processed on Sundays ). Despite this verbal commitment, as of XXXX XXXX, 2026 the tradeline has not been deleted from XXXX, XXXX, or XXXX. CBE Group refused to provide any written confirmation of payment receipt, the withdrawal commitment, or a reference number for the promised bureau removal processing. CBE 's consumer-facing portal at paycbegroup.com continued to show an active {$290.00} balance with live payment options as of XXXX XXXX, 2026 the same day their supervisor verbally confirmed the account was withdrawn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
A bogus collections account was added to my XXXX credit report claiming I owed {$1500.00} for a " Medical '' bill. I was just notified today ( XXXX XXXX XXXX ). According to XXXX : ======================== ABILITY RECOVERY SER Last reported XXXX XXXX XXXX {$1500.00} Open balance Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ======================== I do not owe this debt. I have never even received such a bill in the mail. I do not know why it's appearing on my report and hurting my credit score. XXXX reported that last year, XXXX XXXX, it discovered my social security number on the dark web. This may be related. In any case I do not know this bill, it is not mine.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion Consumer Relations XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Dispute of Inaccurate Account Request for Deletion Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Furnisher : XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute the accuracy of the above-referenced account appearing on my TransUnion credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. The information below is inaccurate, and I request that you delete this trade line immediately. Specific inaccuracies : 1. Contradictory payment status The account is marked Account Paid in Full was a Collection but also contains a remark XXXX XXXX XXXX XXXX. A settled account is not a paidinfull account. These conflicting statements are materially misleading and violate FCRA accuracy requirements. XXXX. Improper loan type The account is classified as a XXXX XXXX Account. Factoring is a commercial financing transaction involving the purchase of business accounts receivable. This is not a consumer credit card debt from XXXX XXXX XXXX. This designation is false and unfairly harms my creditworthiness. XXXX. * * Balance reported as null * * While I do not owe a balance, reporting null is ambiguous and does not clearly reflect a XXXX balance, which is required for accurate credit reporting. Request : Because the furnisher can not report this account accurately ( as evidenced by the contradictions and misclassification ), I request that TransUnion delete the entire trade line ( XXXX XXXX XXXX XXXX ) from my credit report immediately. Alternatively, if you choose to verify, please provide me the name, address, and phone number of the furnisher, as well as the method of verification, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Please complete your investigation within 30 days of receiving t

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have a Venmo account and I disputed a charge from a vendor who never provided me with the services that I paid for. So here we are XXXX months later and the vendor provided me with evidence that the refunds were taken from him XXXX days ago however Venmo and XXXX decide to still say its still pending.This is such a scam!!! I want my money back. I wil attach the proof

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. Accounts Still Inaccurate : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

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 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
CRITICAL COMPLIANCE INFRACTIONS LOGGED : 1. Federal Violation : Real Estate Settlement Procedures Act ( RESPA ) Regulation X, 12 C.F.R. 1024.35 ( Failure to Acknowledge a Notice of Error within 5 Business Days ). 2.State Violation : California Civil Code 2923.6 ( Unlawful Dual-Tracking Recording an NOD while a complete modification application is actively pending review ). 3.Civil Tort : Financial Elder Abuse under California Welfare & Institutions Code 15610.30 ( Exploitation of a disabled senior homeowner via timeline manipulation ). I am a XXXX XXXX senior citizen and fighting to keep my lifelong home. I have been attempting a good-faith XXXX XXXX XXXX modification with my mortgage company, ServiceMac. In return, ServiceMac has behaved in bad faith and broken at least 3 laws referenced above and is attempting to illegally foreclose on my home. On XX/XX/year>, at XXXX ET, ServiceMac , LLC took physical delivery of my formal federal RESPA Notice of Error ( NOE ) and Loan Modification Appeal ( Account # ) via XXXX Overnight. ( screenshot in uploaded PDF ) Under federal Regulation X ( 12 C.F.R. 1024.35 ), ServiceMac was mandated to provide a written acknowledgment of receipt within 5 business days, making their absolute deadline Friday, XX/XX/year>. ServiceMac has completely failed this statutory deadline, issued zero correspondence, and left my online portal frozen with no updates. In addition, on XX/XX/XXXX, at XXXX XXXX, I uploaded the same appeal packet to my online ServiceMac portal. There has not been any acknowledgement. AND on XX/XX/XXXX, my overnight from USPS arrived at their customer service P.O. BOX per their statements and was delivered to an agent. And again, delivered to an individual who picked it up on XX/XX/year>. ( screenshot in uploaded PDF ) AGAIN, no acknowledgement! An update to my appeal letter and Exhibit D, is that on XX/XX/year>, a grant-funded furnace replacement, estimated at {$10000.00}, was successfully installed therefore completely eliminating this property liability. The attached PDF includes the original appeal packet with letter, 5 Exhibits & the delivery receipts all combined into 1 file for your convenience. I explicitly demand that the CFPB issue an immediate administrative directive to ServiceMac , LLC to place a mandatory foreclosure hold on my account and freeze all trustee sale actions while this federal compliance investigation is active to rescind the unlawfully filed Notice of Default.

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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a follow-up complaint regarding [ XXXX / Equifax / XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX ( XXXX ), XXXX ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. Accounts Still Inaccurate : XXXX CREDIT/HYUNDAI OF XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Affirm/XXXX XXXX is calling me daily including Sundays for a transaction I did not request its identity theft in police report of possible thieves address

Company response to consumer: Closed with explanation