vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I financed a vehicle through Credit Acceptance and also purchased XXXX coverage at the time of the loan. Recently, my vehicle was declared a total loss by my insurance company. My insurance company paid approximately {$17000.00} toward the vehicle, leaving a remaining loan balance of about {$12000.00}. I was informed by Credit Acceptance that my XXXX coverage would only pay approximately {$2000.00} toward the remaining balance. At the time of purchase, I was led to believe that XXXX coverage would cover the remaining balance between what my insurance paid and what I owed on the loan. However, the amount being applied does not reflect that understanding, and I was not clearly informed of any limitations, caps, or exclusions that would significantly reduce the XXXX payout. I believe this may be a misrepresentation of the XXXX coverage terms or a failure to clearly disclose how the coverage works. I am requesting a full review of my XXXX contract and a clear explanation of how the payout was calculated. I am also requesting that the remaining balance be properly covered in accordance with what was represented to me at the time of purchase, or that the XXXX coverage be adjusted to reflect the expected benefit. This situation has placed me in financial hardship, as I am now being held responsible for a large remaining balance despite having purchased XXXX protection.I am requesting a detailed breakdown of all calculations, including any deductions, exclusions, or caps applied to the GAP payout.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
complaint id XXXX I am providing additional information to supplement my complaint : I have reviewed prior statements ( XX/XX/year> ) and confirmed that despite high transaction volume, my account did not incur improper overdrafts when sufficient funds were available. This shows the bank is capable of processing transactions correctly. In XXXX, the bank changed how transactions were posted. Transactions that were authorized based on available/usable balance were later batched and reordered, creating overdrafts that did not exist at the time of purchase. I have identified multiple transactions that do not match the merchants records ( XXXX ). I have requested full documentation from the merchant to confirm discrepancies. I did not consent to overdraft coverage, yet transactions were approved and funds were taken from linked accounts. The bank has continued to apply disputed or duplicate charges, leaving my account in a negative balance and causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Since today is Monday, XX/XX/2026, both holds should have officially expired ( the {$10000.00} on XX/XX/XXXX and the {$15000.00} today ). If you still don't have access to your money, filing this complaint immediately is the right move. Wells Fargo is required by law to respond to CFPB complaints within XXXX days, and it usually triggers a much higher level of internal review. You can submit this at consumerfinance.gov/complaint. CFPB Complaint Draft Company Name : Wells Fargo Bank , N.A . Product : Checking Account Issue : Money was taken from my account without notice / Problem with a deposit or withdrawal Description of Incident : I am filing this complaint against Wells Fargo regarding the mishandling of XXXX deposits totaling {$25000.00} into my checking account ending in XXXX. On XX/XX/2026, I deposited {$10000.00}, and on XX/XX/2026, I deposited {$15000.00}. These funds successfully cleared the originating institution ( XXXX XXXX XXXX XXXX ) and were initially credited to my Wells Fargo account. However, several days later, Wells Fargo removed these funds from my account without any prior notification or valid explanation. I received a response from an XXXX Representative ( XXXX XXXX. ) on XX/XX/XXXX claiming these were " standard deposit holds '' that would expire on XX/XX/XXXX and XX/XX/XXXX, respectively. This explanation is inaccurate as the funds had already cleared and were subsequently clawed back/removed after being credited. As a result of XXXX XXXX internal accounting error and lack of transparency : My account has been negative for over a week. Multiple scheduled transactions have been returned unpaid. I have been hit with numerous " Returned Item '' and " Overdraft '' fees. As of today, XX/XX/2026, the promised " hold expiration '' dates have passed, yet the funds remain unavailable and my account remains in a negative balance. Wells Fargo has failed to provide a legitimate reason for removing cleared funds or for the continued deprivation of my capital.

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 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I paid off my mortgage after sale in XXXXXXXX XXXX XXXX I am trying to access my account to get my tax information. XXXX XXXX was bought out by Rocket Mortgage so my logins won't work. I tried resetting my password several times and tried chat and calling. Chat says they are at capacity and can't take any more requests no matter when I try. When I called I could only get a recorded message. The first one tried to help get logged in but had me do the same things I already did and when I said I needed an agent it disconnected. Now when I call back the recording offers to send me a link to their website but nothing that offered assistance getting logged in. I believe the lender has an obligation to make these documents accessible post closing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this report because I recently discovered that I have been flagged for suspected fraud on my banking/consumer report, which has caused me to be denied access to open bank accounts. I want to make it clear that I have never committed fraud and I did not authorize any activity that would result in such a designation. On or about XX/XX/year>, I reviewed my consumer banking report through XXXX XXXX XXXX and saw that I was listed for suspected fraudulent activity. I was not previously notified of this issue, and I am unaware of any accounts or transactions that would justify this report. I believe I may be a victim of identity theft or that my information has been used without my knowledge or consent. I have not opened any fraudulent accounts, nor have I participated in any suspicious financial activity.

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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am filing a complaint regarding an issue with my auto loan account. My account was placed under a stop payment/restriction due to a refinance process that did not go through. Because of this restriction, I was unable to make a normal payment on my account during that time. Once the restriction situation was addressed, I made a payment of approximately {$1200.00} on XX/XX/year>. This payment shows as completed on my account. Despite making this payment, I was charged approximately {$250.00} in additional fees and my account was still marked as past due. I also inquired about a payment extension but never signed or completed any extension agreement. On Friday, XX/XX/year>, I contacted the company and was told that a supervisor or team lead would contact me within XXXX hours. I waited throughout that day and the following day but did not receive any call or follow-up. On XX/XX/year>, I contacted the company again after waiting most of the weekend for a response. I again requested assistance and escalation, including speaking with a supervisor, but did not receive a resolution. During XXXX of the calls, I was disconnected when requesting escalation. At this time, I am being charged fees for a situation where I was unable to make a payment due to a restriction placed on my account, even though I made my payment once I was able to do so.

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 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I am writing to formally dispute the late payment information reported on my credit report in connection with my account assigned to XXXX. I was never notified that my loan servicer had been changed to XXXX, nor did I receive any communicationby email or mailinforming me of this transfer or that payments were due under a new provider. I only became aware that XXXX was my loan servicer after noticing XXXX late payments reported on my credit report. As soon as I discovered that XXXX was handling my account, I took immediate action to bring my account current. Since that time, I have made all required payments on time and have remained in good standing. Given the lack of notification regarding both the servicer change and the alleged missed payments, I respectfully request that these late payment entries be reviewed and removed from my credit report. It is unreasonable to hold me accountable for missed payments when I was not properly informed of where or how to make them. Please investigate this matter and provide a resolution at your earliest convenience. I am happy to provide any additional information or documentation needed to support my request. Thank you for your time and attention to this issue.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I deposited cash at an ATM on XX/XX/year>. The money was not credited to my account. I was told the deposit would take 13 business days, but as of today ( XX/XX/year> ), I still have not received my funds. I contacted the bank and filed a claim, but I have not received any clear update or resolution. I also do not have access to my own money, which is causing financial hardship. This is my cash deposit, and I need immediate access to my funds. And When I call the XXXX I be waiting for XXXX thats XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint for violations of consumer protection laws and the Fair Credit Reporting Act ( FCRA ) related to inaccurate credit reporting and failure to investigate disputed information. Experian is reporting multiple negative accounts, including charge-offs, collections, and late payments, that are inaccurate, incomplete, and/or unverifiable. I formally disputed these accounts ; however, XXXX failed to conduct a reasonable reinvestigation as required under federal law. The company continues to report misleading and inconsistent information. Additionally, these accounts contain clear XXXX XXXX compliance violations, including : Inaccurate account status codes Improper payment histories Missing or incorrect Date of First Delinquency Continued late payment reporting after charge-off Inconsistent account balances and histories These actions violate : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( La. R.S. XXXX XXXX XXXX ) Despite multiple disputes and requests for validation, the company has failed to provide documentation such as original contracts, payment histories, or proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: WA

Complaint narrative:
Phone number XXXX calls me, they claim to be a lawyer XXXX XXXX with XXXX XXXX. I do not have any overdue bills or collections. They wont send anything by mail to prove I owe some alleged debt. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute this account, as I do not recognize it and have no knowledge of ever opening or authorizing it. After reviewing my records, I am confident that this account does not belong to me and is being reported inaccurately on my credit file. Its presence on my report appears to be the result of an error. I respectfully request that you conduct a thorough investigation into this matter and verify the accuracy of this account with the original creditor. If the account can not be properly validated as mine, it should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: WA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
A collection account is currently being reported on my credit file that I did not open and did not authorize. I believe this account is the result of identity theft. The account is being reported by Transworld Systems Inc on behalf of XXXX XXXX XXXX, with a balance of {$1000.00}, and a reported open date of XX/XX/XXXX. I first became aware of this account when reviewing my credit report. I immediately disputed the account with the credit bureau, stating that I do not recognize this account and did not open it. Despite my dispute, the account remains on my credit report and is marked only as account information disputed by consumer. Between XX/XX/XXXX and XX/XX/XXXX, my disputes did not result in removal or proper verification of this account. It appears that the investigation conducted was insufficient and may have relied on automated verification rather than a reasonable investigation. I have never had any account with XXXX XXXX XXXX, and I have not authorized any services or agreements that would result in this debt. I am not responsible for this account. I am requesting that this matter be treated as identity theft and that a proper investigation be conducted. I am also requesting documentation showing how this account was verified, including any records demonstrating that I opened or authorized this account. If this account can not be properly verified, it should be removed from my credit report immediately. I am prepared to provide additional documentation, including an identity theft report, if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NY

Complaint narrative:
I rented a car at XXXX airport on XX/XX/year> with XXXX with my XXXX member account. When i dropped the car off at XXXX airport on XX/XX/year> the XXXX rep walked around the car and confirmed there was no damage and handed me my receipt and I flew home. A month later I recieved a bill from XXXX for {$580.00} for a small crack they found in the windshield the next day. I was in the process of having the XXXX customer service representative remove the erroneous charge when they sent it to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding a collection account reported by National Credit Systems , Inc. in the amount of {$10000.00} I sent a written request for debt validation, which was delivered on XX/XX/year> ( proof of delivery attached ). As of today, I have not received any documentation validating this debt. The account is being reported without any itemized statement, lease ledger, or move-out documentation. The companys online portal also does not contain any supporting documents or breakdown of charges. Additionally, the original property management company is no longer in operation, and it appears that proper records may not exist. Despite this, the account continues to be reported with a {$10000.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation