vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Bridgecrest Cr XXXX XXXX XXXX Account Number XXXX They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9- 614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures. I was told in the last complete I purchase a car from XXXX, which was false information. Please remove from my credit port within 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have already disputed this false collection that stems from identity theft. The collection has been removed from reporting to my credit history, and the rental history needs to be cleared as well. Failure to do so is breaking strict laws under the FRCA, which could lead to future litigation.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: TX

Complaint narrative:
They kept calling my phone i called back and the lady who answered didnt want to state the name of company and who she was and where she was calling from. 
Also they sent a letter no option to opt out im sure some debt collections have been broken here. If you are legitimate why don't you state where you are calling from? secondly i dont know you have never taken anything from you? 

1. NO option to opt out - first law broken 1022.24 Reasonable opportunity to opt out.

( a ) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by 1022.21 ( a ) ( 1 ) ( ii ) of this part.

( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt-out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.

( 2 ) By electronic means.

( i ) The opt-out notice is provided electronically to the consumer, such as by posting the notice at a Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.

2. 1006.18 False, deceptive, or misleading representations or means.

( d ) False representations or deceptive means. A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
My mortgage company, 21st has unprofessional collection tactics and needs to stopped. They use threatening tactics, unprofessional, no empathy, and do not try to work with. My wife was out of work for three months no pay and the laughed at her and when I called, they laughed at me when ai advised I was a collection supervisor and was told your a supervisor and was laughed at. Then they threatened to take my home when I said I would make both payments, just needed information to access my 401K for a hardship loan, only to be told now that I was two pay periods past due. I was approved to pay the two weeks without their help, and they once again made only threats to take my homeXXXX XXXX  complaints tell the same story. Someone needs to take action to address this nightmare within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: Block, Inc.
State: CA

Complaint narrative:
cashapp refuses to answer why they are declining my card and not saying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: FL

Complaint narrative:
So I was out of town for XXXX and during the time of XX/XX/XXXX to recent I have gotten several XXXX dollars takin out my cashback and showed times proof several times and was denied they put me in hole and made me wait several days to charge me multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit reports, I identified numerous accounts and collection tradelines reporting derogatory information that appears inaccurate, incomplete, or improperly duplicated. Several original creditor accounts are reporting charge-offs with prolonged monthly charge-off updates, delinquency stacking, and balances that exceed the original credit limits without clear explanation. In multiple cases, delinquency codes continue to update after the accounts were already charged off, which creates internally inconsistent reporting. Additionally, multiple third-party debt buyers are reporting collections that appear to originate from the same underlying obligations, suggesting improper debt splitting or duplicate collection reporting. These collection accounts lack clear proof of ownership, itemized balance calculations, and a complete chain of title. There are also inquiries on my credit file that appear without clear evidence of separate consumer authorization or permissible purpose. I submitted disputes requesting reinvestigation and validation under the Fair Credit Reporting Act, but the disputed information continues to be reported.

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 2026-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: CA

Complaint narrative:
card is declined. the support is useless, the app has no answers phone supports is rude and obnoxious. they refuse to answer any questions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
RADIUS GLOBAL SOLUTI is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTI is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/XXXX I used a mailed promo check for interest free money, after a fee. 
XXXX was the check and XXXX the fee. 

XX/XX/XXXX both the fee and loan amount were returned to the bank. 

XX/XX/XXXX both the fee and loan amount were returned to me. ( Showing as a balance on the card ) Also XX/XX/XXXX I received a credit for {$390.00} And have been getting charged interest monthly ever sense. 

This isn't my primary bank. I've always made the payments on time. I noticed this morning that they are still charging me interest past what the promo fee was. When I reached out they said that because the money came in and out that it voided the promo. 
I'm not sure why it did that, or why they didn't reach out to me at all. 
When I contacted them today Mon XXXX XXXX XXXX they said there was nothing that they can do. 

I believe this is probably happening to many other people without their knowledge or understanding of why this promo rate was internally voided by 53rd bank and they are unknowingly paying more interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Bank is reporting a debt of {$830.00} on my credit report inaccurately. They have already filed a Cancellation of Debt with the IRS and received a tax credit for this debt. They sent me a 1099-C Cancellation of Debt notice. But are still trying to collect this debt which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
MoneyLion is reporting fraudulent information to my credit.. I requested them to update payment as they are paid on time as this is a credit builder account I open in XXXX. They have account closed but still reporting incorrect information causing major damage to my credit report

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 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have XXXX collections accounts with Jefferson Capital Systems, XXXX from XXXX and the XXXX from XXXX XXXX. Both of them show wrong open dates as they were both opened with the original creditor many years ago. It looks like XXXX XXXX is trying to restart the clock on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have a XXXX-year FIXED-rate mortgage. 

My contractual monthly payment is {$5900.00}, as clearly established in my executed Closing Disclosure. 

My mortgage servicer, Lakeview Loan Servicing, unilaterally and without authorization increased my monthly payment to {$6500.00}, an increase of {$510.00} per month, only XXXX months into the loan. 

This increase was imposed without contractual authority and without any valid escrow justification. 

NO ESCROW SHORTAGE EXISTS Property taxes were paid in full on XX/XX/XXXX, immediately upon notice, and before any penalty deadline. 

Total taxes were paid 100 % There is no delinquency There is no unpaid balance There is no escrow shortage Despite full and timely payment, Lakeview refused to restore my payment to the contracted amount. 

SERVICER MISREPRESENTATION Prior to this issue, I contacted Lakeview in advance specifically to confirm whether I needed to pay the property taxes directly and to ensure my mortgage payment would not increase. 

Lakeviews representative affirmatively stated that : Lakeview would handle the taxes, and My mortgage payment would not increase That statement was false and materially misleading. 
Lakeview has access to the recorded call, which confirms this misrepresentation.

LEGAL VIOLATIONS Lakeviews conduct constitutes : RESPA violation ( 12 U.S.C. 2605 ) failure to properly service the loan and provide accurate information Regulation X violation ( 12 CFR 1024.17 ) escrow manipulation without a legitimate shortage Dodd-Frank UDAAP violation ( 12 U.S.C. 5531 ) abusive servicing creating payment shock and placing my home at risk This is not a clerical error. 
This is not a timing issue. 
This is not a valid escrow adjustment. 

This is unauthorized contract modification and abusive mortgage servicing. 

HARM CAUSED This unilateral increase directly impacts my household budget and creates an artificial risk of default, despite my full compliance with all loan and tax obligations. 
A fixed-rate mortgage can not be treated as variable by a servicers discretion. 

DEMAND FOR RELIEF I demand : Immediate reinstatement of my contractual monthly payment of {$5900.00} Written confirmation that no escrow shortage exists Permanent removal of the unauthorized increase Assurance that no negative reporting or enforcement action will occur SUMMARY I paid my taxes in full. 
I complied with my contract. 
Lakeview did not. 

This conduct appears designed to extract unearned payments and pressure borrowers through servicing abuse. 

I am requesting CFPB intervention to compel immediate 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 explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX [ Company Address ] Re : Alleged Debt Amount {$1000.00} Account opened XX/XX/year> To Whom It May Concern, I am writing in response to a collection account reported on my XXXX  credit report under your companys name. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following documentation : 1. The exact amount of the alleged debt, including any interest or fees.

2. The name and address of the original creditor.

3. Documentation showing that I am legally obligated to pay this debt.

4. A copy of any signed agreement or contract bearing my signature.

5. Proof that your company is licensed and authorized to collect debts in my state.

6. Proof that this account has been accurately reported to the credit bureaus. 

Until this information is provided, please cease all collection activity and communication regarding this account. If you are unable to validate this debt, I request that the account be removed from my credit report. 

This letter is not an acknowledgment of liability or a promise to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XXXX, Chase Mortgage turned off our online automatic payments. I contacted the Consumer Financial Protection Bureau ( CFPB ) and got a case number. It took many months to resolve this issue. In XX/XX/XXXX, Chase turned it off again. I now have a Chase escalation number for this problem. Ive done multiple 3-way calls with Chase and my bank. Chase has turned on the automatic payment feature at least 4 times and their system keeps turning it off. I have a 6-digit savings account and Chase keeps adding two zeros to the beginning of the account number. My bank rejects the request for funds because the 8-digit number that Chase sends them doesnt match the 6-digit number they have for my account. Over the past 3 months, Ive spent at least 7 hours on the phone with Chase explaining, to a different agent every time, what the problem is and how to fix it. After 3 months its still not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I already paid off a closed account and it was for fraudulent activity, now it's stopping me from getting a new place. I am stressed out because this wasn't even my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I have been called nonstop after missing a payment by XXXX day. Then they started calling family members. This is complete harassment. I will NEVER use this company ever again. I regret even giving them any of my money because they do not deserve it. I have it on automatic pay every XXXX weeks. And the day of payment if it doesnt go through I get MULTIPLE calls. My credit card companies have not even done that. This is absolutely ridiculous. I wish I did more research on them before moving forward. DONT USE ASCIMA LEASING

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A link was opened on my phone and someone was able to gain access to my paypal account and make a purchase through my wells fargo bank. I received an alert and immediately called to file a claim and get a new debit card. Additionally, I filed a claim with XXXX and tried to reach out to them via chat multiple times. My claim was denied. This was an unauthorized charge and I am very disappointed with the decision as well as the ease of access to my accounts and information.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXXis 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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
ABLTY RECVRY is falsely reporting on my credit. I have never had any accounts with them. Per my research ABLTY RECVRY 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 2026-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I do not recognize XXXX which is the original creditor and I also do not recognize the collection agency, XXXX XXXX XXXX. I believe this is reported inaccurately on my credit report. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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