vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Transform Credit Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX : Money taken out of my account from TOGETHER LOANS XX/XX/XXXX : DATE I RECEIVED LOAN This did not happen. I never requested a loan and never applied for XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: MO

Complaint narrative:
I refinanced my truck through a new company I made an extra payment before payoff Westlake owes me {$590.00}. Its been over a month, I have been on the phone multiple times with the company and its almost impossible to get on the phone with them I have been given false timelines one right after another. The First Lady told me two weeks, the second told me 28 days and gave me an exact date. The third guy told me there is a gift card refund in the mail for me with absolutely no proof of it and continues to refuse to provide documentation or a supervisor. They continue to put me on hold and leave me on hold for very long periods of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On Thursday XX/XX/XXXX at XXXX an email was sent from resurgent capitol services to my father in law regarding a debt collection for myself. He responded stating he is not me, however the email included personal information, including account total due, original lender, and account number for the debt collection. He is not on the original loan, we do not reside together, nor do we have any financial holdings together. I am frustrated and don't know how they got his email, and it wasn't sent to me originally as they have my email from purchasing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I received 2 bills in the mail from Capital One and XXXX. Both were credit card charges and I never ever had a credit card before so I don't know how this happened. I never opened up these accounts and the XXXX credit card is a student card and I'm not even in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I signed for car and called them the same day and told them I didn't want the car and ask them to close the contract out. They told me that they would close the contract out on the car. I never went and picked the car up. Because I didn't want the car and they have yet to close the contract out. My spouse went up there.I recorded the whole conversation.He told my spouse that he would close the contract out and they have yet to do it.So now I have this car on my credit.A card that I never even went and picked up.I don't want the car and I want the contract closed out.Please help me. They told me they would close the contract out and they have failed to do so. So this is my next step is reporting it.Because I don't know what else to do.I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I would like to dispute a charge from Sunrise Credit Services , Inc. For the amount {$1000.00}.

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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grow Credit Inc
State: CA

Complaint narrative:
I do not know what this debt even is, I found out about it until it popped up on my credit report doing a lot of damage and have been trying to get them to verify it since then, also I am filing a complaint because this account is reporting severe delinquencies and a charge-off for a {$13.00} balance. I was not aware of this charge and did not receive proper notice that any balance was owed. Despite this minimal amount, the account reflects numerous late payments and a charge-off, which has significantly harmed my credit. I am requesting full validation of this debt, including proof of billing and notification, as well as an explanation of how this reporting is accurate and fair given the extremely small balance. If proper documentation can not be provided, I request that this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I had XXXX {$30.00} reward XXXX gift cards that expired last month. I contacted XXXX XXXX immediately after expiration and was denied access to the remaining funds or a replacement. Given how recent the expiration is, I am requesting access to the remaining balance or a reissued card. This was using the Blackhawk Network rewards gift card, customer support offered no help. This reward was given from a XXXX XXXX XXXX event.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Clarity Debt Resolution, Inc
State: CA

Complaint narrative:
I enrolled in a debt settlement program with Clarity Debt Resolution approximately 14 months ago. Since enrollment, I have made consistent monthly payments of approximately {$560.00} into the program in good faith, with the understanding that these funds would be used to negotiate settlements with my creditors. During my participation, I was informed that only one settlement had been completed ( with XXXX XXXX XXXXXXXX ). No meaningful progress was made on another account ( XXXX XXXX XXXX XXXX ). After making payments for over a year, I was recently informed that only {$95.00} remains in my account. Based on the total amount I paid into the program, this is a significant discrepancy and has not been explained. At the end of XX/XX/year>, I submitted a written request to the company asking for a full accounting of my account, including : Total amount paid into the program Amount held in escrow Fees collected Amount applied toward settlements Remaining balance I also requested clarification regarding how service fees were charged, given that only one settlement was completed. To date, I have not received a response or the requested documentation. Under the FTC XXXX XXXX XXXX ( 16 CFR Part 310 ), debt settlement companies are not permitted to collect fees until a settlement has been successfully negotiated and payments have been made toward that settlement. Based on the limited settlement activity on my account, I am concerned that fees may have been collected improperly. I am seeking a full accounting of my funds and a review and refund of any fees that were not compliant with applicable regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: DailyPay, Inc
State: MI

Complaint narrative:
Daily Pay is double dipping on fees. They charge & XXXX instant transfer fee and then when its pay day they charge you the total of the fee transfer from that period all over again. Ive been doing Daily Pay on almost a daily basis for several years now. This is not the only shady dealings Ive had with them. This is why I didnt even bother to contact them this time. In the past they have charged me for the same transfer on the same date in two different pay periods. Then have claimed that part of the transfer was from one pay period and the rest from the next pay period Yet changed the full amount each time. Thats happened on a few occasions but this double dipping has been going on the whole time Ive dealt with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i do have a XXXX credit card ( wells fargo ) via XXXX app for over 2 years now. i do not have issues until one day i can not use my account and it says to call them. i did call them and they said they noticed there is unusual activity on my account. as a result they placed a temporary hold on my account to prevent unauthorized transaction they are requesting additional information. i already talking to them that day and they said they cant help me and i have to respond on their letter that they mail to open my account again. i did not check my mail and did not respond on time on their request. i am very active checking my email and alerts but but did not received any email from them. about the unusual activity. see attached email. i received a letter on XX/XX/XXXX stating that they closed my account. because i did not return the XXXX form that they are requesting. i still have balance with them. i do not have access in how to pay the remaining balance as the wellsfargo app that i use to pay it on time. they remove my access. i dont mind them closing it in that case but atleast give me access on how to pay my bills.

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 2026-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Services has not completed the lien release after payoff. Carrington sent a letter dated XX/XX/XXXX confirming the mortgage loan was paid in full and escrow was terminated effective XX/XX/XXXX ( loan ending in XXXX ) for a property in XXXX, NY ( XXXX XXXX ). As of today, XXXX XXXX land records do not reflect a recorded Satisfaction/Discharge of Mortgage, and Carrington has not provided XXXX XXXX instrument number/recording date or delivered an executed Satisfaction/Discharge that can be recorded. This delay has continued for months and is now blocking a buyers financing and closing. On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX, a Carrington Senior Resolution Team representative ( XXXX XXXX, ID XXXX ) acknowledged the delay/error was on Carringtons end and stated he would investigate why nothing had happened since XXXX. Carrington instructed document submission by fax, but the fax transmission failed, and Carrington later required resubmission by email, adding delay. I am requesting that Carrington immediately provide either : ( 1 ) proof the lien release has been recorded ( county instrument number and recording date ), or ( XXXX ) the fully executed Satisfaction/Discharge in recordable form so it can be recorded, or ( XXXX ) proof of submission for recording and details of any rejection that must be cured.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: NV

Complaint narrative:
I am formally writing to dispute NATIONWIDE CAPITAL SER account as it is still being reported to my credit report inaccurately, reporting this account is in violation of act 15U S C, 1692E, and also 15u S C 1681 EB. I have never received a 1099 C form, or any proper notification. Please remove this account or I will proceed with legal 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 explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
This company is reporting on my credit that I owe them and they have charged off the debt and sold it to a third party after charge off. They also did not provide me with a 1099-C. So, this debt and the third party are reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am filing this formal complaint against National Recovery Agency for ongoing, unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other applicable consumer protection laws. National Recovery Agency continues to send repeated and unsolicited text messages regarding an alleged debt of {$920.00} ( account number ending in XXXX ), despite the fact that this account has already been resolved, cleared, and/or is no longer legally enforceable. Their conduct constitutes the following violations : Harassment and Abuse ( 15 U.S.C. 1692d ) : Repeated, persistent text messages constitute harassment and are intended to pressure payment on a disputed or invalid debt. False, Deceptive, or Misleading Representation ( 15 U.S.C. 1692e ) : Attempting to collect on a debt that has been resolved or is not legally owed misrepresents the character, amount, and legal status of the debt. Failure to Provide Proper Debt Validation ( 15 U.S.C. 1692g ) : The company has failed to provide sufficient validation of the alleged debt, including proof of ownership, chain of assignment, and full accounting history. Unfair Practices ( 15 U.S.C. 1692f ) : Continuing collection efforts on a cleared or disputed account constitutes an unfair and unconscionable means of attempting to collect a debt. Furthermore, I hereby formally dispute this alleged debt in its entirety. Demand for Action : Immediate and permanent cessation of all communication with me regarding this matter, including texts, calls, emails, and letters, pursuant to 15 U.S.C. 1692c ( c ). Full and complete written validation of the alleged debt, including : Name and address of the original creditor Complete payment history Proof of legal ownership/assignment of the debt Documentation establishing that the debt is still legally collectible Written confirmation that this account has not been reported inaccurately to any credit reporting agencies. If it has been reported, I demand immediate deletion. Confirmation that my contact information will not be used or sold further in connection with this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC.
State: HI

Complaint narrative:
My bank account was hacked and {$1900.00} was XXXX removed from that account without my knowledge, I did not get the money, I did not initiate the removal of the money and the bank refused to not deduct it from my account balance, I pleaded with them many times and they said no, we we're not responsible for that also. I close an account and because I had overdraft, they gave more money out and use the XXXX permission after I'd already told them that I was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I was asking the company for some time to repay because we have had a major snow storm and I could not get work and they are constanstly calling me all times of day even when i am work. I told them that use my phone at work or i will get fired but they are not respecting that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: GA

Complaint narrative:
I am filing a complaint against Revco Solutions, a debt collection agency, for attempting to collect a debt of {$870.00} that I do not owe due to billing errors by XXXX XXXX XXXX Background : I received XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, GA ) on XX/XX/XXXX, and XXXX, XXXX. My insurance ( XXXX XXXX XXXX XXXX XXXX XXXX ) approved the treatment, and I was assured all costs would be covered except a {$20.00} copay per session. The errors : XXXX XXXX never submitted a claim to the XXXX XXXX XXXX XXXX for my XX/XX/XXXX session, resulting in an unpaid balance of {$830.00}. For XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX already paid XXXX XXXX {$810.00} each on XX/XX/XXXX yet XXXX XXXX still transferred these balances to Revco Solutions for collection. I have spoken with XXXX XXXX XXXX case XXXX : XXXX, and XXXX XXXX, XXXX Specialty ( agents : XXXX, XXXX, XXXX XXXX, and XXXX all of whom confirmed these billing errors. Current status : XXXX XXXX resubmitted the XX/XX/XXXX claim to XXXX XXXX on approximately XX/XX/XXXX. The balance is currently under review. Request : I request that Revco Solutions immediately cease all collection activity on this account until the billing dispute is resolved, and that this debt not be reported to any credit bureau. My information : Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized information being reported on my credit report. First, there is a collection account being reported by XXXX XXXX XXXX XXXX XXXX for an alleged debt with XXXX XXXX in the amount of {$430.00}. I do not recognize this account and have no knowledge of this debt. I never entered into any agreement with this creditor. This account is being reported as unpaid with a date of first delinquency of XX/XX/XXXX. I am writing to formally dispute several hard inquiries listed on my credit report. I have reviewed my credit file and identified inquiries that I do not recognize and/or did not authorize. The inquiries in question are listed below : XXXX XXXX BANK XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX TransUnion Equifax Experian To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non -account holding inquiries over 30 days old. Under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Thank You

Company response to consumer: Closed with explanation