vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: FB FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX shipped me a fuel tank, that ended up being damaged in shipping. The fuel filler neck was sticking out of the box. After installation, I noticed that the tank had damage to the gas cap sealing surface - making the tank a fire and safety issue - fuel sloshes out of it when taking even small corners. The company advised me to flush the tank, and return by XXXX ground with no XXXX XXXX even though the tank contained fuel. Since I frequently ship, and have to sign " no flammable liquids '', I called into XXXX to confirm this was appropriate - they advised under no circumstances should I ship the tank, as even vapors could trigger rejection during sort, and subject me to liability for shipping a hazardous item. XXXX refused to pay for XXXX XXXX. XXXX refused to have the tank professionally flushed. XXXX refused to issue me a refund. For this reason, I filed a credit card complaint with the card issue. As shown in the documentation, XXXX lied to the card issuer, saying I installed the tank even though I knew it was damaged, and created the XXXX XXXX. They have created a false timeline, with fabricated information, and convinced my bank to not issue a refund ( see provided documentation ). I took photos of the tank before installing it, so that if any issues arose, I had documentation of the as-received condition. I did not realize the tank would leak fuel from the filler cap until after it was installed in the car and filled with fuel. XXXX has misrepresented these photos I provided, and has convinced my card issuer not to provide a refund. I was not provided an opportunity to respond to these claims, or rebuke, and the card issuer, First Bank, has decided in the vendor 's favor.

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 2026-02-24 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding Newrezs handling of my Private Mortgage Insurance ( PMI ) cancellation request. I made a substantial principal curtailment that reduced my loan-to-value ratio below the applicable threshold for PMI cancellation. I submitted a request for PMI removal. Newrez is now stating that : My property is classified as an investment property and requires a 70 % XXXX for PMI cancellation ; and A Broker Price Opinion ( BPO ) authorization letter was sent to me in XX/XX/year> requiring payment of a {$750.00} fee ; and My request was closed after 90 days due to failure to return the signed form and fee. I dispute the following : I did not receive any BPO authorization letter in XX/XX/year>. I was not properly notified of any XXXX deadline. I was not provided documented justification for the 70 % LTV requirement, including citation to the governing XXXX XXXX XXXXXXXX XXXX section. Newrez has not provided proof of mailing or delivery of the alleged XX/XX/year> correspondence. Newrez is effectively denying PMI cancellation based on documentation I never received and is requiring a {$750.00} valuation fee without providing adequate written justification for the necessity of that specific valuation method. I am requesting : Written confirmation of the governing investor and specific servicing guideline being applied ; Proof of mailing or delivery of the alleged XX/XX/year> XXXX authorization letter ; Reopening of my PMI cancellation request without penalty for failure to respond to correspondence that was never received ; Clarification of whether PMI cancellation is being evaluated based on original value or current value ; Written explanation of why a {$750.00} interior/exterior BPO is required instead of other permissible valuation methods. I am seeking a fair and guideline-compliant review of my PMI cancellation request. I have been misguided multiple times by Newrez, they are evasive and unhelpful. Last call I had with them was 15 days ago where they asked me to wait for a mailed letter allowing a BPO cost of XXXX $ to remove the PMI, they never sent it, another LIE.

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 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
Forwawrded request Full loan audit and certified itemization of all charges Documentation of APR calculation and finance charge methodology Copies of all signed documents and add-on enrollment records Correction, removal, or refund of any improperly disclosed fees Contract modification, refinancing, or rescission consideration if violations are confirmed All remedies available under federal and state consumer protection law Request made 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding an alleged debt they claim I owe. Account Number : XXXX ( XXXX ) Reported Balance : {$770.00} Date Opened : XX/XX/year> Date Last Reported : XX/XX/year> I do not acknowledge or admit owing this debt, and I do not recognize XXXX XXXX XXXX XXXX as a lawful creditor. I formally disputed this account and requested full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Texas Finance Code XXXX XXXX. Specifically, I requested : A copy of the original signed contract or agreement creating the obligation The name and address of the original creditor A complete itemization of the alleged {$770.00} balance Proof of legal standing, including full chain of title/assignment Copies of any judgments ( if applicable ) To date, they have not provided proper validation demonstrating that I owe this debt, that the amount is accurate, or that they have legal authority to collect it. Despite the dispute, the company may be continuing collection efforts and/or credit reporting without first providing validation. This may constitute violations of : Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f, 1692g ) Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Texas Finance Code 392.202 and 392.304 If this account is being reported to any consumer reporting agency, it must be marked as disputed and properly investigated. Reporting unverified or inaccurate information is harmful to my credit. I am requesting that XXXX XXXX XXXX XXXX be required to : Provide full and proper validation of the alleged debt ; OR Cease all collection activity permanently ; Delete the tradeline from all consumer reporting agencies if they can not validate the debt ; Ensure the account is properly marked as disputed. I am requesting a full investigation into this matter and appropriate corrective action.

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 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
M & T Bank 's website states the following when you make a payment : Extra payments : If your account is up to date, not past due, and you have no outstanding fees, additional payments made here will be applied first to any current interest due, and then to reduce your principal balance. None of the extra payments I have made have been applied to the principal balance. All have been applied to the next installment.

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year>, i was out shopping and enjoying my day off from work. After i was finish shopping i went back home. I got home and unpacked and got settled as usual not realizing that I didn't have my card in my possession until i got the transaction alert to my phone. I seen there were a two transaction for {$59.00} and one for {$130.00}. I immediately froze the card and called my bank ( Chime ) to start the dispute. I was told i couldnt start a dispute because the transactions were still pending. I then went to the locations my card was being used and i took out a police report for fraudulent activity on my card that was not authorized by me. A police report was made and the very next day the suspect was apprehended and is currently incarcerated. I called Chime back once i seen the transactions was settled to start my dispute. Once my dispute started, i was denied my money back less than a week from XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Nelnet, Inc.
State: CA

Complaint narrative:
I was previously on an income based repayment plan for around a XXXX, and then applied for XXXX, and then when XXXX was shut down I had to apply for a new income based plan. I am very XXXX about losing a XXXX worth of payments that will qualify toward my eventual loan forgiveness. I've searched both my servicer ( NELNET ) and studentaid.gov 's websites for data that shows all of my qualifying payments, and it's not on their websites. I contacted NELNET by phone and was told only studentaid.gov has that info. So I called studentaid.gov and was told only NELNET has that info. I submitted a complaint to NELNET and studentaid.gov and was told by both they simply don't keep that info. That is simply unbelievable, as it's their actual purpose, to track loan and payment status. XXXX of those entities must have documentation that shows how many qualifying payments I've made that will count toward my eventual loan forgiveness. This is XXXX, so it is a huge amount of money that I have the right to know the status of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received call from XXXX informing me that they were calling from Chase concerning my account and that someone tried to open an account on my behalf, the name of the person was XXXX XXXX with my cell number XXXX and that XXXX payments of {$1200.00} and {$900.00} was deducted from my account. They said they will try to cancel the transactions. I was provided with case id XXXX XXXXXXXX and cancellation codes of XXXX and XXXX for the XXXX transactions and was told to check my account. There were XXXX pending XXXX transactions of {$1200.00} to XXXX XXXX, another one for {$500.00} to XXXX and another pending XXXX under review for {$800.00} to XXXX XXXX. I then told them they are not chase and there was silence on the line. I hung up and called XXXX, while speaking to chase, I also received a call from XXXX with a message saying they are chase fraud department. Chase said they do not call from any XXXX numbers. I blocked my number and called back the XXXX, it rang out, but the voice message said you have reached JP Morgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

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 it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I filed multiple disputes in XX/XX/XXXX with Blackhawk Network regarding some XXXX gift cards that I purchased from them that were compromised by scammers. I was notified on XX/XX/XXXX, XXXX months later, that I won all of my disputes totaling {$750.00}, and would be issued a check by mail within XXXX business days. That is absurd, I needed those gift cards for a good reason and have been out {$750.00} for XXXX months already, now they want me to wait for a check in the mail. I have bills turned off because of this situation. They need to reissue my cards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
{$500.00} was sent to wrong account but cashapp told me I couldn't get my money back that was took from me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: IL

Complaint narrative:
I had PNC personal bank account, there were XXXX check deposits which was returned. Later after few weeks when i had some funds in my account, my wire transfer was cancelled when i did the wire transfer and my account was suspended and flagged for unknown reason. The only reason i was provided were the deposited checks which were returned unpaid. The PNC bank held my funds for over XXXX months and finally closed my account and send me cashiers check. After this was completed, i was never able to open the account due to negative comment in XXXX. I am not sure where do i seek help regarding this. I am compelled to survive on platform like XXXX for my banking needs. I am not able to open a single account under my name, personal / business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Incorrect late payment reported for mortgage account # XXXX Complaint : On XX/XX/year>, I made my full mortgage payment of {$970.00} by online payment/ACH/check and the payment cleared my bank on that date. My servicer, XXXX XXXX XXXX XXXX, reported a XXXX day late payment to the credit bureaus for XX/XX/year>. I contacted XXXX XXXX on XX/XX/year> and provided proof of payment, but the servicer has not corrected the reporting or provided a written explanation. I request that the servicer investigate, remove the late payment from my credit reports if it is incorrect, and provide written confirmation of the correction. I have attached my bank statement showing the payment, the payment confirmation, and the credit report page showing the late mark. Attachments : bank statement showing payment date ; payment confirmation ; correspondence with servicer ; credit report excerpt.

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I demand a complete accounting of this collection debt purchase. As a debt collection agency that is also a debt purchaser, your company must fulfill the following criteria : You must show proof of assignment from the debt procurer the rights to pursue collections as mandated by FTC XXXX XXXX XXXX XXXX XXXX ), and the bylaws of the Fair Debt Collection Practices Act. You must show proof of bonding as stipulated in the state of XXXX. You must be licensed with the National Mortgage Licensing Service as a debt buyer, along with federally bonding. You must show a Bill of Sale on any debt purchase of any individual debt. ACCORDINGLY, SINCE YOUR COMPANY HAS NOT FULFILLED THESE REQUIREMENTS THE COLLECTION MUST BE DELETED AND THE NEGATIVE TRADELINE BE DELETED AND MY ACCOUNT INFORMATION MUST BE PURGED PERMANENTLY!!! DELETE THIS COLLECTION PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: MD

Complaint narrative:
My loan was previously with XXXX XXXX but was recently transferred to and/or bought out by Rocket Mortgage. I had issues logging into my new Rocket Mortgage account, so I called their IT department. The automated prompt recognized my phone number but began providing details for a loan that was not mine. Initially, the system stated the loan had been paid off in a bankruptcy ; it then claimed a payment of $ XXXX was made for XXXX and that the next payment is due in XXXX. All of this information was incorrect. When I finally reached a representative, they told me they could not provide details because my name was not on that specific loan. After being transferred to the escalation team, I was told they are experiencing technical issues with data transfers from XXXX XXXX. My concern is that I was given someone else 's private data, meaning my personal information could also be exposed to a stranger. This company should be reported and fined for disclosing sensitive information to the wrong account holders. If they provided me with the wrong details, it is safe to assume other customers ' information is also being compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was robbed I reported it to the bank and the police but nothing was done. I lost my debit card and someone took out {$2100.00} the bank canceled my claim. I need help

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 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: FL

Complaint narrative:
I am filing this complaint against Grant Mercantile Agency , Inc. regarding a medical collection account allegedly owed to XXXX XXXX XXXX. I timely disputed this debt and requested proper validation pursuant to 15 U.S.C. 1692g. Chronology : I sent a written dispute and validation request. I sent a second written notice after no lawful validation was provided. The second notice was delivered and physically picked up on XX/XX/year> ( Certified Mail XXXX. XXXX ). On XX/XX/year>, the collector sent a generic billing printout but did not provide proper validation as required by law. The collector has failed to provide : Proof that I am legally obligated for the debt. Proof of assignment or authority to collect on behalf of XXXX XXXX XXXX. A copy of any agreement authorizing interest charges. Documentation supporting the added interest amount. Competent verification that the balance being reported is accurate. Instead, they provided only a copy of the original provider invoice and added interest without demonstrating contractual or statutory authority. Despite my dispute, collection activity continues. This conduct violates : 15 U.S.C. 1692g ( b ) Failure to validate after dispute 15 U.S.C. 1692e Misrepresentation of amount owed 15 U.S.C. 1692f Attempt to collect unauthorized amounts I am requesting : Immediate deletion of the account from all consumer reporting agencies Cessation of collection activity Written confirmation of compliance I have attached copies of my dispute letters, USPS delivery confirmation, and the collectors XX/XX/year> response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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